美国和德国的保险科技--不同商业模式背后的驱动力是什么？

IF 1.1 Q3 BUSINESS, FINANCE

Risk Management and Insurance Review Pub Date : 2024-01-07 DOI:10.1111/rmir.12254

Torsten Oletzky

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引用次数: 0

摘要

比较美国和德国（欧洲）的保险科技生态系统，在业务模式的选择上存在显著的地区差异。美国的许多保险科技公司都选择了全牌照保险公司的业务模式，但这种业务模式在欧洲却不常见。在欧洲，许多保险科技公司似乎对申请保险公司执照望而却步，只选择经纪人或总代理的业务模式。本文分析了影响保险科技公司在决定是否申请保险执照时选择业务模式的因素。本文探讨了不同的本地市场环境对这些决策的影响，以及获得风险资本在业务模式决策中的作用，以及监管机构及其行动如何影响决策过程。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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InsurTech in the United States and Germany—What are the drivers behind the different business models?

Comparing the InsurTech ecosystems of the United States and Germany (Europe), there are significant regional differences in the choice of business models. While many InsurTechs in the United States have opted for the business model of a fully licensed insurer, this business model is much less common in Europe. In Europe, many InsurTechs seem to shy away from applying for a license as an insurer and limit themselves to the business model of a broker or a managing general agent. This paper analyzes the factors that influence an InsurTech's choice of business model when deciding whether or not to apply for an insurance license. It examines the impact of different local market environments on these decisions, as well as the role that access to venture capital plays in business model decisions and how regulators and their actions influence the decision‐making process.

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来源期刊

Risk Management and Insurance Review Economics, Econometrics and Finance-Finance

CiteScore

1.90

自引率

0.00%

发文量

期刊介绍： Risk Management and Insurance Review publishes respected, accessible, and high-quality applied research, and well-reasoned opinion and discussion in the field of risk and insurance. The Review"s "Feature Articles" section includes original research involving applications and applied techniques. The "Perspectives" section contains articles providing new insights on the research literature, business practice, and public policy. The "Educational Insights" section provides a repository of high-caliber model lectures in risk and insurance, along with articles discussing and evaluating instructional techniques.