Michelle Hu

中国的‘互联网+’行动计划给保险公司带来更多压力，促使他们通过多种渠道和设备提供服务。这种压力也来自于消费者，他们正在改变消费行为，越来越多地在移动设备上或通过电子商务公司处理他们的个人事务。

Michelle Hu

Managing Director & Partner

Shanghai

胡莹是波士顿咨询公司（BCG）大中华区保险专项的核心成员。

胡莹在保险和咨询行业拥有丰富的相关经验，研究领域涉及保险公司的整体发展战略、分销、合资、并购、运营和互联网战略等多个课题。她还与产险、寿险和健康险的客户广泛开展合作。

近期的代表性客户项目包括：帮助保险公司制定互联网战略并设计创新业务模式，为保险集团设计未来运营蓝图，制定渠道发展战略，发掘新业务机会，协助寿险公司评估并重新设计中国分销战略等。

胡莹拥有注册金融分析师 (CFA)执照，同时也是纽约证券分析师协会的会员。

在2011年加入BCG之前，胡莹曾担任保德信的总监、AT&T 的业务规划经理以及招商证券的客户经理。

AREAS OF EXPERTISE

EDUCATION

伊利诺伊大学厄巴纳香槟分校金融和市场营销专业工商管理硕士学位
湖南大学英语专业学士学位

Publications and Videos

Implementing Bionic Operations

These are the key principles for success.

The Bionic Insurer: What Lies Beyond Digital for Insurance Operations?

Bionic Operations is more than Digital 2.0! It constitutes a new logic in client interactions with proactive and preemptive personalized services enabled by a new digital ecosystem. The impact for insurance companies is tremendous, with regard to both business logic and the setup and workforce required. The future of insurance operations has arrived, and we’ll share real-life examples.

Two people walking through a tunnel of light

What Lies Beyond Digital for Insurance Operations?

Leading companies are already implementing a bionic approach. Others should follow.

打造健康管理能力，破局商业健康险挑战

作为健康险产业的主导方，保险公司未来需要着力发展其健康管理的核心能力，同时需要协调多方的合作与利益分配，引导行业各参与方共同建立以消费者为中心的健康管理新生态。

What Forward-Looking Insurers Are Focusing On Now

The COVID-19 pandemic—along with the new reality taking shape because of it—has created a clear mandate for insurers: deal with the rigors of the present and the near future while starting to prepare for challenges and opportunities over the longer term.

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What Forward-Looking Insurers Are Focusing on Now

As the COVID-19 pandemic forces insurers to prepare for the new reality, a focus on five particular areas can help them begin.

Why Chinese Insurers Lead the Way in Digital Innovation

Digital players and leading insurers in China are using new technologies to connect with and serve customers. Insurers outside China should learn from these companies.

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中国保险业在集团化、数字化、国际化趋势下的组织与人才变革之道

中国保险业的发展凸显了集团化、数字化和国际化的特点，相应在组织与人才方面需要有效支撑，特别是在强化集团作为卓越中心和能力资源协调者的管控模式优化，建立扁平、敏捷的组织架构，并通过提升雇主价值主张升级人才管理机制等方面亟需因应变化、顺势而为。

消费者眼中的保险公司：中国保险业消费者洞察

波士顿咨询公司（BCG）对3,200名中国消费者进行了广泛调查，捕捉快速变化时代中的消费者对保险公司的态度。中国保险市场的决定权已经转移到消费者手中。BCG的调查表明，为了在这个竞争激烈的市场上占据一席之地，保险公司必须赢得消费者的信任并提升理赔服务能力。

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Listening to What Chinese Consumers Say About Insurers

In light of the power shift away from insurers in China, BCG asked 3,200 consumers what is essential in a life insurance or an auto insurance provider. Trust and simplicity top the list.