評論
打印
Ping An
平安
Metamorphosis
變形計
The world's most valuable insurer has transformed itself into a fintech super-app. Could others follow its lead?
這家全球最具價值的保險公司已轉型為金融科技超級應用。其他國家能效仿嗎？
A job interview at Ping An is a strange experience. To become an agent at the insurance group, the world's largest by market capitalisation, candidates must take questions from an intelligent machine. As they respond, their voice, choice of words and gestures are scrutinised for the qualities of the most productive salespeople. After accruing data from millions of such interviews, the firm believes its artificial-intelligence (AI) system can quickly pluck talent and weed out the duds. Judged by the company's agent-productivity scores, it is working.
在平安進行工作面試是一種奇怪的經歷。要成為這家全球市值最大的保險集團的代理，候選人必須接受一臺智能機器的提問。當他們做出回應時，他們的聲音、措辭和手勢都會被仔細檢查，以確定他們是否具備最高效的銷售人員的品質。在從數百萬次這樣的面試中收集數據后，該公司相信它的人工智能(AI)系統能夠迅速挖出人才，剔除無用之人。從該公司的代理生產力得分來看，它正在發揮作用。
Just as the recruitment tool offers a glimpse into the future of hiring, Ping An itself may offer a window on to the future of finance. The tool is just one of thousands of applications built by the group's army of engineers. They support a sprawling array of services, from insurance and banking to health care and education, which this year alone have been used by close to 600m people. No other traditional financial-services group in the world comes close to rivalling Ping An's ability to develop technologies and deploy them at such a scale.
正如招聘工具提供了一窺未來招聘的機會一樣，平安本身可能也提供了一扇了解金融業未來的窗口。該工具只是該集團工程師大軍開發的數千個應用程序之一。它們支撐著一系列龐大的服務，從保險和銀行到醫療保健和教育，僅今年就有近6億人使用這些服務。在如此大規模的技術開發和應用方面，世界上沒有其他任何一家傳統金融服務集團能與平安匹敵。
The firm, set up by Peter Ma, began life as a small unit at a state-owned enterprise in Shenzhen, selling bosses insurance against worker-compensation claims. It was eventually spun out in 1988. By the mid-2000s it had become one of China's largest life and property insurers, and attracted investment from HSBC, a bank. Today it is worth 1.5trn yuan ($236bn; see chart 1), and has redefined itself as a technology conglomerate built around an insurance business. It is now the largest investor in HSBC.
這家公司由馬彼得創立，最初是深圳一家國有企業的一個小單位，向老板推銷工人賠償保險。該公司最終于1988年解散。到2000年代中期，它已經成為中國最大的人壽和財產保險公司之一，同時吸引了匯豐銀行的投資。如今，它的價值為人民幣1.5萬億元(2360億美元)，并重新定義自己為一家以保險業務為基礎的科技集團。它現在是匯豐最大的投資者。
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