互联网保险发展研究定稿.docVIP

PAGE V 互联网保险发展研究 摘 要 随着时代的发展，保险行业也经历着天翻地覆的变化，新兴技术的兴起对保险行业的影响是十分巨大的，尤其是互联网的发展普及，对保险行业的影响是显而易见的。而电子商务的发展又将商业活动变得更加的便捷，也不断催生出新的保险需求。互联网改变了传统行业面貌，是因为随着互联网的普及，人们的消费习惯和行为模式被不知不觉中改变了，商业模式的变革就是为了适应人们消费模式的改变而发生的，就这样，互联网保险应运而生了。然而我国国情决定了，我国互联网保险的发展注定是缓慢而相对滞后的，这与多方面因素有关，如保险行业的特点等。在这种背景下，为了了解互联网保险业的发展规律就要认真分析这些特点。消费者的行为如何能够影响互联网保险的发展，消费者的行为模式是通过怎样的途径来改变的。接着将分析市场中发展的比较成熟的互联网保险模式，发现互联网保险发展过程存在的问题，从而提出解决办法。 关键词：互联网保险 网络营销 保险模式 Research on the development of Internet insurance Abstract With the development of the times,?the insurance industry has?experienced?the earth shaking change,?emerging technology?impact on the insurance?industry is?very great, especially the development of the Internet?popularization,?the impact on?the insurance industry is?obviously. And the development of electronic commerce?and?business activities will?become more?convenient,?also continue to create new?demand for insurance.?The Internet has changed the traditional?industry appearance,?because?with the popularization of Internet,?peoples consumption?habits and?behavior?patterns are?imperceptibly?changed,?the business model change is?in order to meet the peoples?consumption patterns?change,?so,? Internet insurance?arises at the historic moment.?However our country?national condition decided, destined to?the development of Chinas?Internet?insurance?is slow and?lags behind relatively,?this is related to?many factors,?such as?the characteristics of the insurance industry,?insurance?regulation,?insurance companys innovation ability?etc..?And whether the?large area?popularization of Internet,?in this context,?the development trend?that?is Internet?insurance?must?analysis is?how to?be influenced by?the consumer behavior?of Internet?insurance demand,?and the?model of consumer behavior?is changing how?etc..Then?will?have?to generate and development?business models?mature?Internet?insurance?as an example to analyze,?understand the development trend of?Internet?insurance,?and then puts forward the countermeasure