互联网保险的发展现状及分析——以众安保险为例

On Development Status and Analysis of Online Insurance--A Case of Zhongan Insurance

随着我国社会进步科技发展,互联网也迅速发展起来,2000年互联网开始闯进保险行业,2013年以众安在线财产保险公司的形式呈现给大众。本课题主要以众安在线财产保险公司为例,通过分析众安与传统保险近几年原保费收入的增长幅度等数据与成就相对比与众安保险自上市以来为保险行业做出的贡献,得出互联网保险的发展现状,并且政策上,分析政府对互联网保险行业颁布的有关支持政策,经济上,分析人民物质水平不断增长,传统保险已经满足不了广大消费者对保险的需求,市场上,分析最近几大传统保险公司开始筹备互联网保险的相关业务的行为,社会上,分析当代互联网的盛行并成为我国主流,进而总结出,传统保险公司开始向互联网保险公司方向发展,在未来互联网保险将会有朝着保险行业未来发展的趋势。同时针对客户对互联网保险的评价与社会发展现状,指出互联网保险正处于“暗时期”,行业痛点依旧明显,并分析当今时代的发展方向得出有利于互联网保险适应未来发展的建议。

With the development of science and technology,the Internet has developed rapidly.In 2000,the Internet began to break into the insurance industry.And Zhongan online property insurance has presented to the public in 2013.Taking Zhongan online property insurance company as an example,and comparing the growth of premium income of Zhongan and other traditional insurance companies with their achievements,the development of online insurance status has been achieved.Then,the article analyzed the online insurance industry from the aspects of policy,economy,marketing and society.Finally,it can be concluded that the traditional insurance companies have begun to develop towards online insurance companies.Meanwhile,according to customers'evaluation of online insurance and the current situation of social development,it is pointed out that the online insurance is in the“dark period”,and the pain points of the industry are still obvious.And it also analyzed the development direction of the current era and put forward suggestions that are conducive to the future development of online insurance.