数字普惠金融视域下中国互联网保险发展现状及展望

Development status and Prospect of Internet Insurance in China from the Perspective of Digital Inclusive Finance

2016年,二十国集团(G20)正式提出数字普惠金融这一概念后,各国和有关国际组织纷纷发布各类数字惠普金融的政策文件。近日,中国人民银行发布的2018年中国普惠金融指标分析报告显示,数字技术与金融融合速度加快,数字普惠金融生态正在不断完善。在数字普惠金融视域下,分析互联网保险的使用情况和服务质量,报告我国互联网保险发展现状,展望未来互联网保险业务发展趋势,对互联网保险业务参与主体制定战略和国家监管互联网保险业务具有一定的参考意义。

The G20 officially put forward the concept of Digital Inclusive Finance in 2006,since then many countries and international organizations have released relevant regulatory documents.Recently,the Peopled Bank of China released 2018 China Inclusive Finance Indicator Analysis Report.It indicates that digital technology is integrating with finance more quickly and digital inclusive finance system keeps improving.This article reports the current China internet insurance developments from insurance usage and service quality in the view of digital inclusive finance system.It predicts future internet insurance business trends which would be useful for internet insurance business strategy making and government regulation.