保险业电子商务的运用探究.docVIP

东北大学本科生毕业设计（论文） PAGE 1 - 摘要 电子商务作为一种新的业务手段，正在受到传统行业的广泛关注。人们在认识电子商务的过程中，往往局限于信息流和物流的电子化、网络化，而忽视了业务操作的电子化过程。保险业作为一个金融传统行业，为适应技术进步和市场变化，正尝试将电子商务移植到保险企业的内部管理、营销和服务领域。随着电子信息技术的高速发展，国内外的保险公司都在积极探索保险电子商务的应用，试图通过互联网在线推销保险，或应用网络提供在线保险服务。采用了各种应用技术，推出多种电子商务业务模式，根据各家公司的情况和要求开发了多种专门的解决方案。保险电子商务不仅仅是一种在线保险销售，而是涉及到保险企业组织结构的再造，特别是保险核心业务支持系统需要重新构造。在开展保险电子商务的过程中，要面对网络带来的各种不安全因素，需要采取有效的信息安全传输技术手段，保证信息在传递过程中安全、有效。保险业务合同的法律性很强，而且合同期限非常长，必须要有相应的法律予以保护，因此需要对保险电子商务适用法律做出分析和研究探讨，以保证保险电子商务的顺利开展。保险电子商务主要的功能是网络营销，虽然是新兴事物，但因为保险业务的特殊性，保险电子商务不能取代一切传统的营销手段，需要探讨适合的保险传统营销和电子商务下网络营销的结合应用。本文介绍了保险电子商务的理论与技术；电子商务对保险业的影响；我国电子商务的发展现状，最后通过案例分析讲述了当前保险业电子商务的发展方案。 关键词:电子商务；保险；信息安全传输 Abstract As a new business methodology, e-business is attracting the traditional trade’s attention popularly. PeoPle’s cognition to e-business process confined to the electronically and networking of information flow and logistics flow ignores of the electronized operation procedures ,when they are in the process of understanding e-business .The insurance regarded as a kind of traditional financing is attempting to implant e-business to the management ,marketing and service ,to adapt the advancement of technology and variation of market. While the advancement of information’s technology ,foreign and national insurance corporations apply e-business to insurance sale and service on-line tentative .They use various technology of application ,various business modes ,various projects of specialized tackle plan in the idiosyncratic circumstances and requirement. Insurance e-business is not only useful for sale and service on-line ,but also it lesds to transformation of corporation tissue-type ,crucial constitution of information holding system particularly .In the course transmission of e-business ,som dangerous factors from internet are destroying secure transmission of e-business information ,therefore ,we need study secure technology and method of transmission .Undeiwriting contract is exacting on legalize ,and a long time of