文章核心观点 - 公司将于2024年11月29日在香港举行年度股东大会,作为公开论坛让股东与管理层讨论公司事务 [1][2][3] - 公司已在SEC网站上发布了2023财年的年度报告,包括经审计的财务报表 [3] - 公司是一家领先的保险科技平台,通过数据驱动和AI驱动的解决方案,数字化连接消费者、保险公司和分销合作伙伴 [4] 公司概况 - 公司专注于为大众富裕消费者提供全生命周期的保险需求 [4] - 公司的在线到线下的保险生态系统覆盖整个保险生命周期,为消费者提供广泛的保险产品、一站式服务和简化的交易体验 [4] - 公司利用AI、数据分析和数字化能力,为保险服务链条提供专有的技术驱动解决方案,包括保险咨询、用户参与、营销、风险管理和理赔服务 [4]

财务数据和关键指标变化 - 总保费收入(GWP)达到人民币13.4亿元,与去年同期基本持平 [7] - 总收入达到人民币2.18亿元 [7] 各条业务线数据和关键指标变化 - 长期保险新单保费(FYP)达到人民币6.5亿元,其中长期健康险FYP达到人民币1.2亿元,保持增长趋势 [8] - 长期人寿险FYP同比增长5%至人民币3.8亿元,续期保费达到人民币6.9亿元,同比增长42.8% [8] - 短期险FYP同比增长33.5%至约人民币1.2亿元 [8] 各个市场数据和关键指标变化 - 国际业务收入占总收入的11%,实现了双位数收入贡献 [13][22] - 公司在越南收购当地领先的数字保险科技平台Global Care,正式进入第二个国际市场 [13][14] 公司战略和发展方向及行业竞争 - 公司持续专注于长期保险产品,占总GWP的91.3%,连续19个季度超过90% [8] - 公司加强产品创新,定制产品占新单保费的41.2%,同比增加16.9个百分点 [12] - 公司加快国际化战略,计划未来12个月内进入两个新的东南亚市场,到2026年实现国际业务收入占比30% [23] 管理层对经营环境和未来前景的评论 - 行业正经历重大转型,但中国保险市场潜力巨大,公司将与保险公司合作推出更贴合市场需求的参与式保险产品 [14] - 预计参与式保险产品将迎来强劲反弹,成为市场主流产品 [14] 其他重要信息 - 公司客户总数达到980万,新增客户24万,客户质量保持高水平 [10] - 长期保险客户续保率达40.5%,同比提升6.5个百分点,13个月和25个月续期率超过95% [10][19] - 公司与125家保险公司合作,持续提升产品创新和客户服务能力 [10][11] 问答环节重要的提问和回答 问题1 **Amy Shin 提问** - 公司未来费用和利润指引 [26] - 新单保费增长趋势及第三季度展望 [26] - 监管变化对产品结构的影响 [26] **Ron Tam 回答** - 费用方面,股份支付费用为非现金项目,整体费用率将回归至第一季度水平 [27] - 第二季度新单保费受监管和利率预期变化影响有所下滑,第三季度有望反弹 [28][29] - 参与式保险产品将成为主流,公司已推出定制产品满足市场需求 [30][31][32] 问题2 **Michelle Ma 提问** - 公司海外市场拓展策略 [35] **Ron Tam 回答** - 香港业务表现良好,鼓舞公司进一步拓展海外市场 [36][37][38] - 越南市场与中国市场10年前类似,公司采取灵活策略,通过并购当地公司复制成功模式 [37][38][39][40][41] - 未来将进一步拓展东南亚其他市场,如菲律宾、印尼、新加坡,寻找当地合作伙伴 [39][40][41] 问题3 **CICC分析师 提问** - 公司是否计划推出更多定制参与式保险产品 [43] **Ron Tam 回答** - 公司长期专注于产品创新和定制,已推出首款定制参与式保险产品,未来将持续推出满足市场需求的参与式产品 [45][46][47][48]

文章核心观点 - 公司业务表现稳健 [2][3] - 毛利率环比有所改善 [2] - 公司持续拓展国际市场 [3] - 公司致力于提升客户体验 [3] 公司经营情况 - 总保费收入为13.37亿元人民币 [4] - 续期保费收入同比增长42.8%至6.85亿元人民币 [2] - 客户总数达到980万 [3] - 与125家保险公司合作 [3] - 现金及现金等价物为2.36亿元人民币 [9] 财务数据 - 营业收入为2.83亿元人民币 [4] - 营业成本为1.94亿元人民币 [5] - 销售费用为4,680万元人民币 [6] - 管理费用为4,970万元人民币 [7] - 研发费用为1,810万元人民币 [7] - 净亏损为2,330万元人民币 [8] - 非公GAAP净亏损为1,300万元人民币 [8]

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