互联网保险业务模式创新探讨

Internet Insurance Business Model Innovation

在分析互联网保险业务内涵及特点的基础上,从行业发展、业务结构及公司发展三个层面分析了互联网保险发展的现状;探讨了互联网保险发展存在的问题:风险隐患大、监管力度不足,经营模式各自为政、难成规模效应、产品同质严重、未能体现大数据特点、营销和服务未能结合移动互联网。最后,提出了互联网保险业务模式创新:借鉴银保合作模式,开立网上保险商城,利用大数据拓展网络保险产品和服务,应用移动APP提升营销和服务效率。

On the basis of analyzing the connotation and characteristics of Internet insurance business,the industry development,business structure and company development three aspects analyzes the present situation of the development of Internet insurance;Further,this paper discusses the problems existing in the development of Internet insurance：risk big,the lack of supervision,business model more fragmented,difficult to scale effect,the product homogeneity serious,fail to reflect characteristics of big data,marketing and service failed to combine the mobile Internet.Finally,the paper raised the mode of Internet insurance business innovation：reference model,open an online insurance supermarket cooperation between Banks and insurance companies,using big data develop network of insurance products and services,application of mobile APP marketing and service efficiency.