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| 互联网保险发展问题分析 摘 要 随着经济的持续发展和“互联网+”观念的持续深入，人们对于当前的生活方式也提出了越来越高的要求，便捷、简单、灵活、自由的理念逐渐充斥人们的生活，这其中也涉及保险行业。摆脱繁琐的线下交涉，互联网保险深得人心，尤其在这次新冠肺炎疫情中，互联网保险更是在投保、核保、理赔等方面充分发挥优势。但是互联网保险的迅速发展同样带来了众多问题，本文将从互联网保险发展现状出发，从保费收入、渗透率、经营模式等方面来研究互联网保险发展情况，发现存在的问题，并通过与英美日三国互联网保险的对比提出完善对策建议。 关键词：互联网保险；现状；问题；经验借鉴；对策 Analysis on the Development of Internet Insurance ABSTRACT As the economy continues to develop and the concept of "Internet +" continues to deepen,people have also put forward higher and higher requirements for the current lifestyle. The concepts of convenience, simplicity,flexibility, and freedom have gradually flooded people’s lives. Involved in the insurance industry.Get rid of cumbersome offline negotiations,and Internet insurance has won the hearts of the people. Especially in this new crown pneumonia epidemic,Internet insurance has given full play to its advantages in terms of insurance, underwriting, and claim settlement. However, the rapid development of Internet insurance has also brought many problems.This article will start from the current development of Internet insurance, study the development of Internet insurance from the aspects of insurance premium income, penetration rate, business model, etc., and find existing problems.The comparison of Internet insurance in the three countries puts forward suggestions for improvement. Keywords: Internet insurance; Current situation;Problems; Experience for reference; Countermeasures |
