QBE Hong Kong is pleased to share with the PBEC Community, the release of its 5th iteration of our annual SME research for Hong Kong. SMEs are the backbone of the local economy. To better understand this important customer segment, QBE Hong Kong conducted the annual SME survey in October 2022 to gain valuable insights into the opportunities and challenges faced by SMEs.
The study drew on an online survey of 422 Hong Kong SMEs from a wide range of industries. The findings show that small and medium enterprises (SMEs) in Hong Kong have regained confidence in their business and the economy, despite having ongoing concerns about a possible economic downturn in Hong Kong and other markets, customer acquisition challenges, and rising business costs.
SMEs are reconsidering increasing overseas representation
Despite the economic uncertainty, almost half of SMEs intend to increase their overseas representation over the next one to two years. Knowledge of multi-country insurance is highest among larger SMEs, and those already internationalised intend to expand further. Among SMEs without an international presence,14% said they plan to expand into other markets, and 72% would consider buying multi-country insurance.
Despite concerns about business risks, a minority of SMEs have relevant insurance
The business risks most concerning Hong Kong SMEs remain the loss of income due to business interruptions (75%), losing key staff (70%) and equipment breakdown (69%). While SMEs’ concerns about these events have increased steadily over the last three years, only 15%, 16% and 18% held the relevant insurance, respectively, to ride out such possibilities.
At QBE, we always put our customers at the centre of our business, and understand their unique business needs. We are confident that, together with your ongoing support, we are well-placed to provide innovative solutions that fit the precise needs of SMEs. If you are interested to learn more about QBE Hong Kong’s offerings for SMEs, please contact me directly. Thank you for your partnership and we look forward to your continued support in 2023 and beyond.
Read more here: press release and infographics
Regards,
Lei Yiu PBEC Board of Director
尊貴的合作夥伴：
我很高興地與大家分享，昆士蘭保險香港已經發布了第5份針對香港的年度中小企業研究。中小企業是本地經濟的支柱。為了更好地了解這個重要的細分市場，我們於 2022 年 10 月進行了年度中小企業調查，以深入了解中小企業面臨的機遇和挑戰。
該研究借鑒了對來自各行各業的 422 家香港中小企業的在線調查。調查結果顯示，本港中小企對商業及經濟前景重拾信心，但仍憂慮經濟有可能下滑及在獲取新客戶和控制業務成本方面遇困難。
中小企正重新考慮增加海外業務
儘管經濟不明朗，接近半數（47%）中小企仍計劃在未來一至兩年擴大海外業務。大型中小企以及已經國際化並有意進一步在海外擴張的中小企對跨國保險的認識最多。至於只有本地業務的受訪中小企中，14%表示計劃進軍其他市場，當中72%會考慮購買跨國保險。
只有少數中小企有就其關注的業務風險購買相關保險
本港中小企最關注的業務風險仍然是業務中斷導致收入減少（75%）、核心員工離職（70%）及設備故障（69%）。雖然中小企對這些事件的憂慮在過去三年不斷增加，但分別只有15%、16%和18%持有相關保險以應對以上情況。
昆士蘭保險香港始終將客戶放在業務首位，并深明其獨特的商業需要。在您的持續支持下，我們相信能夠為您提供滿足中小企業確切需求的創新解決方案。
如有興趣了解更多有關昆士蘭保險的中小企服務，歡迎聯繫您的業務經理。感謝您一直以來的支持。我們期待與您繼續緊密合作，強化中小企領域的業務發展。
順祝商祺！
于蕾