基于价值网络理论的保险中介服务平台创新研究——以泛华车童网为例

The Study on Innovation of Internet Service Platform of Insurance Intermediary Based on Value Network Theory——A Case Study of CNinsure Inc. 's Chetong. net

在保险中介改革持续推进,保险中介商业模式不断创新的背景下,本文运用价值网络、价值链理论,基于互联网平台型企业发展的现状与前景,研究泛华车童网服务平台案例,探索保险中介服务平台的价值创造机理和生态系统的构建,提出应抓住机遇创新保险中介商业模式,立足于资源整合和价值创造,构建保险中介服务平台体系,着力于通过提供多元化和专业化服务打造保险中介服务平台的核心竞争力,探索科学的利益相关方治理机制和监管举措等促进保险中介服务平台创新发展的建议。

In the context of the continuous reform on insurance intermediation and the innovation of insurance in- termediary business model, this paper used value network and value chain theory to study the status quo and pros- pect of Internet platform - based enterprise. It studied CNinsure Inc. ＇ s Chetong. net to explore the value creation mechanism and ecosystem construction of the intermediary service platform. We proposed to seize the opportunity to innovate insurance intermediary business model, build insurance intermediary service platform system aiming at re- source integration and value creation, focus on providing diversified and professional services to build the core com- petitiveness of the insurance intermediary service platform. Other suggestions on promoting the innovation and devel- opment of insurance intermediary service platform and exploreing were on rational governance mechanism among all stakeholders and supervisory measures.