国内外互联网保险发展比较及其对我国的启示

Comparison Study on the Development of the Internet insurance at home and abroad and Its Enlightenment for Our Country

随着信息技术和计算机技术的蓬勃发展与广泛普及,蕴涵着无限商机的互联网保险开始茁壮成长。国外发达国家互联网保险有B2C、B2B两种模式。B2C可分为保险公司网站、第三方保险超市网站及互联网金融超市三种形式;B2B模式可分为互联网风险市场和互联网风险拍卖两种形式。我国互联网保险在近20年里经历了兴起、发展以及不断成熟的过程。从宏观角度看,这一过程主要可归纳为四个时期,主要模式包括保险公司网站、第三方保险超市网站、搭载与合作等。互联网金融的发展为我国互联网保险市场带来了新机遇,但必须认识到基于当前的发展条件和现状,现阶段我国互联网保险市场仍面临着巨大的挑战。只有清醒地认识到这些问题,并发挥行业能动性解决这些困难,才能确保我国互联网保险市场充分适应时代的需要,在全新的历史时期健康、全面地发展。

With the vigorous development and popularization of information technology and computer technology, the Internet insurance which contains infinite business opportunities begins to thrive. The Internet insurance in the developed countries includes two modes,namely,B2 C and B2 B. B2 C can be divided into three forms,namely,insurance company websites, third- party insurance supermarket site and Internet financial supermarket. B2 B mode can be divided into two forms,namely,Internet risk market and Internet risk auction. The Internet insurance in China has experienced its rise,development and gradual maturing process in recent 20 years. From a macroscopic view,this process can be mainly divided into four periods. The major modes include insurance company websites, third-party insurance supermarket site,embarkation and cooperation,etc. The development of the Internet finance has brought new opportunities to the internet insurance market in China,but it must be realized that the development of Internet insurance market in our country is still faced with enormous challenges at present stage,based on the current conditions and the status. Only through knowing these problems clearly and developing our industry initiative to solve the difficulties,can we ensure that the Internet insurance market in China fully meets the needs of the times,develop healthily and comprehensively in the new historical period.