CNinsure Inc. ADRCISG

Morningstar Rating

Stock Research and Analysis

by Morningstar Analysts

CNinsure's origins date to 1999, when two entrepreneurs who had started a car rental and emergency repair company branched out into auto insurance. Today, CNinsure's goal is to build the largest independent insurance intermediary in China. The firm Read more

Bulls Say

Insurance will grow rapidly in China, and intermediaries will grow in importance. CNinsure is not alone, but its early and successful development augurs very well.

CNinsure's "boots on the ground" hold particularly strong value for Western insurance companies yearning for growth in China.

CNinsure can cultivate its excellent cross-border relationships and build a dynamic commercial business. Read more

Bears Say

The Chinese economy has been in a bubble, and CNinsure is at the end of the line.

Large Western brokerage firms are likely to gain greater sway in the market for intermediaries in China.

CNinsure relies too extensively on independent sales agents, who are not employees of the company and are difficult to control. Read more

Strategy

CNinsure distributes a growing range of life, property, and casualty insurance and plans to broaden revenue sources to include claims processing and other related services. Acquisitions will play an Read more

Management

CNinsure is led by its founders, Yinan Hu and Qiuping Lai. Other senior leaders have a broad range of talents, and several have significant needed experience with organizational development and growth. CNinsure recognizes it must improve its internal Read more

Profile

CNinsure is a leading independent insurance intermediary in China. The firm recently decided to enter the rapidly growing life insurance market. It currently has about 28, Read more

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