消费贷款信用保证保险与互联网技术的融合创新

Convergence Innovation of Consumer Loan Credit Guarantee Insurance and Internet Technology

在发达国家信用保证保险是与寿险和产险并驾齐驱的核心业务,而在我国却处于起步阶段,作为信用保证保险重要组成部分的消费贷款信用保证保险的市场份额更是微乎其微。我国消贷信用保证保险发展缓慢、市场份额小,主要原因可归结为银行购买力不强、政府支持力度小、保费定价高等。通过案例研究发现,使用互联网技术能够推动消贷信保在产品开发、营销管理和风险控制方面取得重大创新,使消贷信保发展突破传统保险的技术瓶颈,实现市场扩容、效率提升、风险管控的目的。

Credit guarantee insurance in developed countries is the core business that goes hand in hand with life insurance and property insurance. In China, it is still in its infancy. The market share of consumer loan credit guarantee insurance, which is an important part of credit guarantee insurance, is even less. China's consumer credit insurance develops slowly and its market share is small. The main reasons can be attributed to the lack of strong pur. chasing power of banks, low government support, and high premium. Through case studies, it is found that the use of Internet technology can promote the credit card insurance to achieve major innovations in product development, mar. keting management and risk control, which can make the development of consumer credit insurance break through the technical bottleneck of traditional insurance, achieve market expansion, efficiency improvement, risk manage. ment and control purposes.