互联网时代保险模式与产品创新研究

Research on Insurance Model and Product Innovation in the Internet Era

2015年3月5日十二届全国人大三次会议上,李克强总理在政府工作报告中首次提出"互联网+"行动计划。在互联网技术和电子商务迅猛发展的大背景下,每一个传统行业都孕育着"互联网+"的机会。我国的互联网保险目前正处于高速发展阶段,这对于各大保险公司、保险中介机构来说,既是一个机遇也是一个挑战。但相比于传统的保险业,互联网保险的发展还不成熟,仍有很大空间值得研究和探索。

In the three meeting of the twelve National People＇s Congress on March 5, 2015, Premier Li Keqiang first proposed the ＂Internet ＋＂ action plan in the government work report.We see every traditional industry is pregnant with the opportunity of ＂Internet ＋ ＂. In the rapid development of internet technology and e-commerce context, internet insurance in China is in rapid development stage, which gives an oppor- tunity and a challenge for the insurance companies and insurance intermediaries.But compared to the tradi- tional insurance industry, the development of Internet insurance is not mature, and a lot of space is worth to study.