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Allianz is to launch a joint venture with the Chinese search engine group Baidu and the investment group Hillhouse Capital in an attempt to set up an online insurer in China.德国保险公司安联(Allianz)将与中国搜索引擎百度(Baidu)及投资集团低瓴资本(Hillhouse Capital)联合重新组建一家合资公司，目的是在中国创建一家互联网保险公司。The joint venture will apply for a licence to sell insurance online throughout the country, and will target both individual customers and small and medium-sized businesses.该合资公司将申请人在中国全国在线销售保险的牌照，目标客户既还包括个人也还包括中小企业。The trio behind the joint venture intend to offer a range of products including travel, health and internet finance insurance, according to people familiar with the situation.知情人士称之为，该合资公司背后的三家公司计划发售一系列产品，还包括旅行险要、健康险和互联网金融险要。

Allianz’s business in China only makes up a small share of its 122bn in overall annual revenues, but the company is hoping to tap into the rapid expansion of the local market, where premiums are expected to quadruple over the next five years.安联的在华业务仅有占到其1220亿欧元年度总收入的一小部分，但该公司期望从中国市场的快速增长快速增长中分一杯羹。未来5年里，中国市场的保险费收益将快速增长3倍。

Allianz declined to comment. The company is due to update investors on its strategy later on Tuesday at an event at its headquarters in Munich.安联拒绝接受置评。该公司将于周二晚些时候在其慕尼黑总部的一次活动上向投资者通报有关其战略的近期信息。

The joint venture is one of the first big moves by Oliver Bate, the former McKinsey consultant who succeeded Michael Diekmann as the head of Germany’s largest insurance group in May.重新组建上述合资公司是这家德国仅次于保险公司的首席执行官奥利弗拜特(Oliver Bate)的首批根本性措施之一。拜特曾在麦肯锡(McKinsey)兼任咨询师，今年5月接任米夏埃尔狄克曼(Michael Diekmann)兼任安联首席执行官。It highlights the pressures that insurers are under to adapt their business models to the changing habits of customers, who are increasingly purchasing insurance online, rather than through traditional channels such as insurance brokers and banks.此举突显出保险公司于是以面对压力，拒绝它们调整业务模式以适应环境大大变化的客户习惯。保险客户于是以更加多地在网上出售保险，而不是通过保险经纪人和银行等传统渠道。

Mr Bate said earlier this week that the move online was having a “big impact” on insurers, and argued that it was important to make Allianz more focused on customers’ changing demands in response.本周早些时候拜特回应，这种趋势于是以给保险公司带给“极大影响”。他指出，安联为此不应更为注目客户大大变化的市场需求。

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