互联网车险的现状、问题及对策研究.docxVIP

1 题 目 互联网车险的现状、问题及对策研究 摘 要 随着人们生活水平的不断提升，中国成为汽车拥有量第一大国，与汽车相 关产业也形成了庞大的市场规模。汽车保险作为财险的重要组成之一，其巨大 的市场潜力吸引了大量企业的竞争，然而我国车险市场起步较晚，近年来兴起 互联网车险在我国发展还不足十年，但却以一种势不可挡的趋势快速发展，迅 速占据财产保险的巨大份额。与此同时，互联网车险的发展也暴露了该行业存 在的问题，这些有待解决的问题导致互联网车险在互联网财险中的占比跌破50%。 并且近两年互联网车险的保费收入仍在持续下滑，针对这种情况用规范分析的 方法了解互联网车险的现状以及存在的问题，用实证分析法研究如何解决互联 网车险发展中遇到的问题，有利于提高当前互联车险服务行业的成长速度，从 而使互联网车险健康快速发展。 【关键词】 互联网车险；现状；对策 2 ABSTRACT With the continuous improvement of peoples living standards,China has become the largest automobile ownership, and automobile-related industries have also formed a huge market scale. Automotive insurance,as one of the important components of financial insurance, has attracted a large number of competition from enterprises.However, Chinas car insurance market started late. In recent years, Internet vehicle insurance has not developed for less than a decade in China, but it has developed rapidly with an irresistible trend,rapidly occupying a huge share of property insurance. At the same time,the development of Internet car insurance has also exposed the problems existing in the industry, which have led to a drop of more than 50% of Internet car insurance in Internet financial insurance. And the premium income of Internet vehicle insurance has continued to decline in the past two years. In view of this situation, we use standardized analysis to understand the current situation and existing problems of Internet vehicle insurance,and use empirical analysis to study how to solve the problems encountered in the development of Internet vehicle insurance,which is conducive to improving the growth rate of the current Internet vehicle insurance service industry.So that Internet car insurance can develop rapidly and healthily. 【Key words】Internet car insurance;Problems; Countermeasures 目 录 1.引言 1 1.1.研究背景 1 1.2.研究目的与研究意义 2 1.3.研究内容与研究方法 2 2.互联网车险的现状 4 2.1.互联网车险的市场规模 4 2.2.互联网车险业务情况 5 2.3.互联网车险的渠道结构 7 3.互联网车险存在的问题 9 3.1.线上转化率不高