“互联网+”背景下保险中介发展探究

Research on the Development of Insurance Intermediary Under the Background of“Internet Plus”

在“互联网+”背景下,传统发展模式已不适用保险中介市场的发展。通过分析我国保险中介市场发展历程,结合近几年变化,采用聚类分析和多元线性回归对保险中介市场进行探究,通过2018年度报告得出影响保险中介机构发展的相关指标。为弥补聚类分析的局限性,运用多元线性回归方法分析相关指标的关系,探究影响保险中介发展的重要指标。提出在“互联网+”背景下发展保险中介市场应该健全保险中介监管机制、优化市场结构、创新发展新模式和加强专业化人才培养。

Under the background of“Internet Plus”,the traditional development model is no longer applicable to the development of insurance intermediary market.Based on the analysis of the development of insurance intermediary market in China,this paper explores the insurance intermediary market by using cluster analysis and multiple linear regression combining the changes in recent years,and obtains the relevant indexes that affect the development of insurance intermediary through cluster analysis and the annual report of insurance intermediaries in 2018.In order to compensate for the limitation of cluster analysis,multiple linear regression method is used to analyze the relationship of relevant indexes and explore the important indexes that affect the development of insurance intermediary.Under the background of“Internet Plus”,it is necessary to improve the insurance intermediary supervision mechanism,optimize the market structure,innovate and develop new models,and strengthen the training of specialized talents in the process of developing insurance intermediary market.