下沉市场崛起背景下的互联网保险转型研究

Research on the Transformation of Internet Insurance under the Background of Rising Sinking Market

近年来,我国保险业发展整体向好,但个别一线城市保费收入出现负增长情况,在高新技术产业不断革新的时代下,互联网保险拥有巨大的发展空间,而下沉市场不断刺激互联网平台交易的大趋势,使得我国互联网保险的"下沉"转型势在必行。本文基于PEST模型,从政治、经济、社会、技术四个因素宏观阐述"下沉"转型的可行性,进而从政策、平台、产品三个角度来研究其实现路径,同时通过分析转型可能产生的新问题,从多方面给出互联网保险"下沉"转型的保障建议。

In recent years, the overall development of China’s insurance industry is good, but the premium income of individual first tier cities has negative growth. In the era of continuous innovation of high-tech industry, the advantages of Internet insurance have huge development space, and the sinking market constantly stimulates the trend of Internet platform trading, which makes the "sinking" transformation of China’s Internet insurance imperative. Based on PEST model, this paper qualitatively expounds the feasibility of "sinking" transformation from the macro level from the four factors of politics, economy, society and technology, and then studies its realization path from the three angles of policy, platform and product. At the same time, by analyzing the new problems that may arise from the transformation, this paper gives security suggestions for the "sinking" transformation of Internet insurance from many aspects.