网络保险发展范文.docx

1、网络保险发展范文摘要人类社会已进入信息革命时代，信息革命催生的网络经济初见端倪，并呈现出无限商机。保险业与电子商务相结合，产生了网络保险。网络保险是指保险公司或保险中介机构以互联网和电子商务技术为工具来支持保险经营管理活动的经济行为。网络保险提供多种服务，包括宣传和推介保险公司、保险中介机构和业务，提供信息咨询服务，分析选购保险产品，在线投保服务、在线理赔、在线交流、在线导航等服务，能够为保险公司降低营运成本、交易成本，提高保险公司认知效率，克服市场低效性，并能通过网上保险市场的高流动性，促进保险费率市场化；消除信息不对称，为投保人提供个性化服务，降低费率；同时也使保险中介向分析咨询类增值服务

2、方向发展。因此，网络保险具有很大的市场。国外网络保险大约有四种模式：保险公司的网上“专卖店”模式，经纪人开设网站模式,保险超市模式，保险交易所模式和虚拟保险公司模式。由于虚拟保险公司不仅需要电子商务方面的先进技术和手段，更要求有一个专业分工明确、发展成熟的保险市场，因此这种模式目前在我国还没有建立，我国现存的网络保险模式是前四种模式。但是我国网络保险存在诸多问题：在我国已有的四种模式中，主要以保险公司的网上“专卖店”模式为主，保险超市和保险交易所模式比较少，各种模式的网站主要都是提供保险产品的信息与咨询服务，在线交易少，离真正意义上的网络保险还有一定距离；且我国网络保险网络信息技术投入少，主要

3、是因为受传统影响较大，观念还没完全转变；费率市场化程度不高，网络保险的价格优势不能尽显；网络安全问题让投保人担忧怯步；保险产品创新不足，缺乏个性化服务，吸引力不够；当前在网上交易量不大的前提下成本远大于收益等。本文根据这些存在的问题，提出几点建议： 第一，发展多种网络保险模式；第二，促进费率市场化；第三，增进公民网上保险知识，培育网络保险市场；第四，加强网络安全建设；第五，加快推进保险业信息化进程；第六，加快网络保险各相关生态体系建设；第七，吸纳优秀人才和对已有员工在职教育。关键词：网络保险；在线交易；保险模式AbstractHuman society has entered the era

4、of the information revolution. The network economy gave birth by the information revolution has shown signs, and showed boundless business opportunities. The insurance industry combines with e-commerce, yielding the network insurance. Network insurance refers to that insurance companies and insuranc

5、e intermediaries make Internet and e-commerce technology as a tool to support the economic activities of insurance management.Network provides a wide range of insurance services, including publicity and promotion insurers, insurance intermediaries and business advisory services to provide informatio

6、n and analysis to purchase insurance products online insurance services, online adjustments, online communication, navigation and other online services for the insurance companies to lower operating costs, transaction costs, improve the cognitive efficiency of insurers and overcome the inefficiency

7、of the market. And the high mobility rate in the online insurance market eliminates information asymmetries and provides personalized services for the insured and lower rates. At the same time, insurance intermediary will develop value-added services to the analysis of the Advisory direction. Theref

8、ore, there is a large network of insurance market.There are approximately four insurance network model in the world: the insurance companies online shop model, a website model set up by the broker, the insurance supermarket model, the insurance bourse model and virtual insurers model. The virtual in

9、surance companies need not only advanced technology and e-commerce means, but also a clear division of professional and mature insurance market. So this model has not been established in our country at present, our existing insurance network models are the former four models.However, there are many

10、problems in network insurance in our country: in the four models already in the country, insurance companies online stores model is the most important model. The insurance supermarket and insurance bourse model develop slowly. Most website mainly provides information on insurance products and adviso

11、ry services and on-line transactions are less. So from the real sense network insurance there is a certain distance. Our country has paid less to the international technology, mainly because the impact of traditional larger concept hasnt completely changed. The degree of the rate marketization is no

12、t high, so the price advantage of insurance network is not fully demonstrated. Network security for the insured is worried. Inadequate insurance product innovation and the lack of personalized service are also the problems. And the costs are more than receipts when the online transactions are less n

13、ow.Based on these problems, I make a few suggestions: Fist, development of the network model. Second, promote insurance rate marketization. Third, improve the online insurance knowledge of the citizens. Fourth, take the building of network security into account. Fifth, accelerate the process of insu

14、rance information. Sixth, build the ecosystems related network insurance faster. Seventh, attract outstanding talent and train staffs who have been working in the yield.Key words: Network insurance; Online transactions; Insurance model目录绪论1一、 我国发展网络保险的必要性分析1(一)网络保险的涵义1(二)我国发展网络保险的必要性2二、我国网络保险发展现状分析4

15、 (一)我国网络保险发展历史4(二)我国网络保险的发展现状及成因分析 4三、我国网络保险发展的对策分析9 (一)发展多种网络保险模式9(二)促进费率市场化 10(三)增进公民网上保险知识，培育网络保险市场 11(四)加强网络安全建设 11(五)加快推进保险业信息化进程 11(六)加快网络保险各相关生态体系建设 12(七)吸纳优秀人才和对已有员工在职教育 12结论 13主要参考文献 14绪论在互联网走向商业化的短短10年间，其以几何级数迅速增长，掀起了一场全球范围内的网络化浪潮，其影响之深，范围之广，已超过了任何一次技术革命。网络经济不仅带来了巨大的生产力和潜在市场，也带来了电子商务式的新经济增长点。电子商务以一种