中国网络安全保险市场的发展机遇与挑战, Cyber insurance market in China

信息技术革命开启了数字经济时代新篇章。在中国大数据战略和网络强国战略的政策指引下,中国网络基础设施加速完善,中国网络用户人数迅速壮大,网络普及程度不断提高,数字经济迅速发展。广义而言,2018年,中国数字经济规模达人民币31.3万亿元(4.7万亿美元),名义同比增长20.9%,占GDP的比重达34.8%。随着互联网经济的蓬勃发展,跨企业、跨行业、跨线上线下、跨业态等多种跨界合作,基于创新场景和增强消费体验的新业态、新模式不断涌现,逐步打造成为各类资源相互融合、各种渠道相互渗透、极为庞大的综合性经济生态体系。因此,网络安全风险不断演变,复杂程度与日俱增。网络安全风险已成为全球各国面临的最严峻的风险之一,在中国已被视为事关国家安全的战略问题。2017年6月,《中华人民共和国网络安全法》 正式实施,标志着网络安全管理法制框架基本成型,监管机制亦将不断完善。

作为独立险种,中国网络安全保险市场信息有限,其规模难以准确评估。在此背景下,近期瑞士再保险对中国网络安全保险市场主要参与者进行了一项调研,以了解网络安全保险市场发展现状与市场主要特征,明确企业需求偏好,从而分析影响行业发展的核心问题和保险公司面临的主要挑战等。结合国际发展经验、政策一般发展趋势与中国经济发展前景,我们对中国网络安全保险市场的规模进行了估计和展望。然而,市场的发展状况与未来发展潜力仍取决于诸多外部条件,市场发展路径也往往并非线性。我们希望本报告能够为中国网络安全保险行业发展提供一些有价值的借鉴。

Summary:

The information technology revolution has opened a new era for China's digital economy. With significantly improved digital infrastructure, China has become a world leader in e-commerce, online retail and e-finance. The digital economy accounted for 34.8% of China's national GDP in 2018, and we forecast this to rise to around 50% by 2030. 

Alongside rapid growth of the digital economy, cyber risks are growing and becoming increasingly complex. At present, China’s cyber insurance market remains small and lags the development of the digital economy. Associated insurance market penetration is lower than the overall penetration rate for the country's P&C sector. According to information collected by Swiss Re, total cyber insurance premiums in China in 2018 were at an estimated CNY 70 million (USD 10.6 million). In light of the recent experience in developed markets, we estimate that cyber insurance premiums could grow rapidly to about CNY 500 million (USD 74 million) by 2025, a compound annual growth rate of more than 30%, highlighting the great potential for cyber insurance development over the coming years.

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cyber china

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