国内保险业电子商务建设现状与挑战分析.pdfVIP

专题研究:保险业标准 国内保险业电子商务建设现状与挑战分析 雪慧刘琦1 赵峰2 张莹1 朱林3 郑晓东2 (1.中国保险行业协会; 2. 中国人寿保险(集团)公司; 3. 中国人寿电子商务有限公司) 摘要:本文首先分析了保险业电子商务所面临的现状，列出互联网保险发展历程，深入分析互联网保险近年经营情况。在 现状分析基础上，给出保险业电子商务所面对的6方面挑战，包括传统产品和业务流程方面、产品价格方面、新渠道和传统渠 道利益方面、风险管控方面、大数据方面、商业模式方面等。最后提出保险业电子商务存在的4大机遇，包括互联网的迅猛发 展和深入应用为互联网保险创造了巨大空间;保险业深化改革和转型升级为互联网保险提供了巨大推动力;互联网保险自身 的特点和优势为互联网保险赢得了强大竞争力;监管政策的逐步完善和大力扶持为互联网保险快速发展提供了重妥保障。 关键词:电子商务保险挑战分析 DOI编码: 10.3969/j.issn.1002-S944.2015.10.006 Present Situation and Challenges Faced by Chinese Insurance E-commerce Development Ll U Qi1 ZHAO Feng2 ZHANG Ying 1 ZHU Lin 3 ZHENG Xiao-dong2 (l .Insurance Association of China; 2.China Life Insurance (Group) Company; 3.Chinalife Ecommerce Company Limited.) Abstract: This paper first analyzes the current situation of the e-commerce insurance indus町y， lists the development course of the e-commerce insurance , and analyzes the e-commerce insurance in recent years. Based on the c盯rent sìtuation analysis , six challenges are faced by the Chinese insurance industry e-commerce , including the traditional products and business processes , product price , new channels and traditional channels of interest , risk management and control , big data , business model , etc. 刀lis paper analyzes the four major opportunities in e-commerce insurance industry, including the rapid development and application of Intemet , insurance deepen reform and upgrading , the characteristics and advantages of bωmmerce insurance, gradua! improvement ofregulatory policy and vigorously support. Keywords: e-commerce, insurance, challenge analysis 1 引言 渠道越来越成为国内保险业发展的新兴阵地。本文 通过分析保