国外保险电子商务发展及对我国的启示.pdfVIP

国外保险电子商务发展及对我国的启示 张敬林 肖群 （中国太平洋保险（集团）股份有限公司，上海 200120 ） ［摘要］互联网的出现和兴起引发的技术创新极大地改变了保险业，以欧美为代表的国 外保险公司把互联网等信息技术资源与公司其他组织或环境资源结合起来以解决实际业务 问题，为代理人、客户、潜在客户、合作伙伴提供各种服务，提高了业务效益、内部运营效 率和合作的有效性。本文通过引入技术—组织—环境的理论框架，分析影响保险电子商务价 值创造的相关因素，同时也从这个视角理解国内外保险电子商务差别。国内保险公司应借鉴 国外经验，结合国内互联网发展特点，弥补差距，重点解决保险电子商务技术瓶颈、组织的 结构惯性等问题，促进电子商务高效、快速发展。 ［关键词］电子商务；价值创造；理性回归；理念渗透 ［中图分类号］ F840.32 ［文献标识码］ A ［文章编号］1004-3306 （2006 ）06-0013-05 Abstract ： Technical innovation triggered off by the advent and booming of Internet has transformed the insurance industry. Foreign insurers, especially in Europe and America, have combined information technology resources including Internet with other organizational and environmental resources together to solve practical business issues and to provide various services to their agents, clients, prospects and partners. This has improved business profitability, internal operational efficiency and effectiveness of cooperation. This article introduces the technology 　 organization 　 environment theoretical framework to analyze relevant factors affecting the value of E 　 commerce to insurance businesses. Meanwhile, it also explains the differences of insurance E 　 commerce in China and abroad. Chinese insurers should learn experiences from their foreign counterparts to narrow the gap as the domestic Internet technology allows. They should promote rapid and effective development of insurance E 　 commerce business by solving the technical bottleneck and overcome their structural inertia. Key words ： E 　 commerce; value creation; rational regression; conceptual penetration 一、国外保险电子商务发展的特征及趋势 （一）国外保险电子商务的共同特征 1 ．理性回归。国外保险公司对电子商务定位认识经历了从狂热到理性的两个阶段。 在 2001 年前由 “COM ”带动的电子商务狂潮中，欧美保险公司纷纷加快电子商务发展步 伐，并对互联网信息化的发展充满强烈预期，这时候的主流意识是期望电子商务根本改变现 有业务流程，迅速取