金融科技创新背景下互联网保险发展问题研究

Research on the Development of Internet Insurance under the Background of Fintech Innovation

大数据、人工智能、物联网和区块链等金融技术的推动,使越来越多精细化的保险创新得以实现,互联网保险蓬勃发展。然而,互联网保险在其快速发展过程中存在诸多问题亟待解决。以金融科技为出发点,深入分析“科技+保险”在互联网保险发展中的现状及问题,研究金融科技在互联网保险变革中带来的各种风险与挑战,及时做出应对,对推动互联网保险稳定发展具有重要意义。

With the promotion of financial technologies such as big data,artificial intelligence,Internet of things and blockchain,more and more refined insurance innovations have been realized,and Internet insurance is booming.However,there are many problems to be solved in the rapid development of Internet insurance.Taking financial technology as the starting point,this paper deeply analyzes the current situation and problems of"technology+insurance"in the development of Internet insurance,studies the risks and challenges brought by financial technology in the reform of Internet insurance,and makes timely response,these are of great significance to promote the stable development of Internet insurance.