互联网环境下中国保险行业发展的思考.pdf

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1、ThinkingoftheDevelopmentofChina’sInsuranceIndustryintheInternetEnvironment摘要互联网的蓬勃发展给作为金融三大支柱之一的保险行业注入了新的活力的同时，保险行业也面临许多不容忽视的问题。例如互联网企业也渗透到保险市场中，进一步加剧了保险市场的竞争；对于互联网技术的应用保险公司远不如互联网企业等。本文着重于互联网环境下对中国保险行业发展的思考，在介绍了互联网技术以及中国保险业的发展历程的前提下，从各家保险公司做出的应对措施入手，分析了我国保险行业在互联网环境下所面临的主要问题

2、和发展机遇，同时结合国外保险行业如何应对互联网环境的启示给出我国险企的发展建议，提出如下具有针对性的对策：保险公司应更精细化地利用数据；保险公司可以选择与互联网企业寻求战略合作；与第三方平台保持竞合关系；培养高素质的营销队伍；最后运用互联网的方式定制适合在线上进行销售的保险产品。希望我国保险行业会有跨越式的发展。关键词：互联网环境，保险行业，问题机遇，发展建议IAbstractThevigorousdevelopmentoftheInternethasinjectednewvitalityintotheinsuranceindustryaso

3、neofthethreepillarsfinancialindustry.Meanwhile,insurancecompaniesarechallengedbymanyproblemsthatcan'tbeignored.Forexample,thepenetrationofInternetcompanieshasintensifiedthecompetitionintheinsurancemarket.What'sworseisthattheformeraremuchbetteratapplyingtheInternettechnology

4、thanthelater.ThisarticlefocusesonponderingthedevelopmentofChina'sinsuranceindustryontheInternetenvironment,onthebasisofintroducingInternettechnologiesthedevelopmentprocessofChina'sinsuranceindustry,startingwiththeresponsesfromvariousinsurancecompanies,analysingthemainproble

5、msandopportunitiesthatChina'sinsuranceindustryisfacingandlearningstrategiesfromforeigninsuranceindustryaboutdealingwithInternetenvironment.Intheend,somepointedsuggestionsareasfollowing:Theinsurancecompaniesshouldusedatainamorerefinedway,findInternetcompaniestobuildajointnet

6、workmarketingplatform,cultivatehighqualitymarketingteams,trytousetheInternettofindawaytosellinsuranceproductsonline.Keywords:Internetenvironment.InsuranceIndustry.Problems&Opportunities.DevelopmentproposalsII目录摘要....................................................IAbstract.

7、...............................................II第一章绪论.............................................11.1选题背景...................................................11.2研究意义...................................................21.3文献综述.................................................

8、..21.4研究思路与内容.............................................3第二章互联网技术的发展............