区块链技术下互联网保险发展研究

A Study on the Development of Online Insurance in Relation to Blockchain Technology

现阶段,随着“互联网+保险”模式的不断深化,区块链技术与互联网保险结合成为大势所趋。虽然我国互联网保险发展迅速,但在产品设计、销售、理赔等业务方面存在产品同质化、售后难追溯、理赔难等问题,而具有共识信任机制、分布式账本、智能合约等特性的区块链技术将有助于互联网保险突破当前的发展瓶颈。伴随着网络技术的迭代革新,区块链技术在互联网保险应用中可能存在共享合作深度有限、不确定性风险等问题。针对此背景,提出转换中心化思维模式,完善基于区块链技术互联网保险的监管制度,加快学术研究与人才培养等措施建议,以更好地推动互联网保险在我国的优质高效发展。

With the constant progress of "Internet + insurance" pattern,the combination of blockchain technology and Internet insurance will become a general trend.Although the Internet insurance is growing rapidly in China,there are still some difficulties during the business processes,where product homogenisation exists among its design,where customer services are hard to trace after sales,where it is complicated to settle the claims for the clients and so on.Nevertheless,the blockchain technology which possesses distributed ledgers,smart contracts and other characteristics,can definitely make contributions to the breakthrough of the choke point that the Internet insurance is currently faced with.As technology evolves with iterative innovation,blockchain technology may have trouble in the limitation of the depth within the shared cooperation and uncertain risks in the application of Internet insurance.As a result,it is necessary for Internet insurance enterprises to convert their centralized thinking mode.In addition,regulators should improve the supervision system of Internet insurance based on blockchain technology in order to promote the high quality and efficient development of Internet insurance in China.