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 in China has moved firmly into the era of the digital economy.  Guided by China's Big Data and internet powerhouse strategy, the country's internet infrastructure has improved significantly, the number of internet users has grown rapidly, and so has internet accessibility. China's digital economy generated revenues of RMB 31.3 trillion (USD 4.7 trillion) in 2018, a nominal year-on-year increase of 20.9%, and equivalent to 34.8% of national gross domestic product. With the rapid development, digital cooperation across companies, industries, online and offline channels, and different business formats is growing, and new online business models based on innovative scenarios and enhanced consumer experience are emerging. These are being incorporated into an all-encompassing economic ecosystem with various resources and channels.

With this progress, the nature and potential threat of cyber risk is continuously evolving, and becoming ever more complicated.  Today, cyber risk is one of the leading risk concerns for all countries of the world. In China, cyber risk has been designated as a strategic issue for national security. The Cybersecurity Law of the People's Republic of China took effective 1 June  2017, marking the establishment of a national cybersecurity regulation framework. The regulatory mechanisms will continue improving over the next several years.

With limited market information publicly available, it is difficult to estimate the size of the cyber insurance market in China. For this reason, Swiss Re has undertaken an in-depth research project to understand current developments in the cyber insurance market in China, key market features, and customer needs and pain points. The study also analyses the main issues affecting industry development and the challenges facing insurers. Drawing on international experience, developments in the legal environment and projections of economic growth, we estimate the current and future market size.  As a cautionary note, we note that a market does not normally develop in linear fashion and likewise, that the growth of the cyber insurance market in China is subject to many external factors.

We hope this report provides some valuable insights that will contribute to the continued development of the cyber insurance market in China.

Tags

expertise publication 中国网络安全保险市场的发展机遇与挑战