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英国essay代写:The development of Internet insurance

2018-07-07 | 来源:51due教员组 | 类别:Essay代写范文

下面为大家整理一篇优秀的essay代写范文- The development of Internet insurance,供大家参考学习,这篇论文讨论了互联网保险的发展。随着互联网技术的迅速发展,使得保险行业逐渐改变传统的发展方向,利用互联网开展业务已经成为了新的发展趋势,国内保险公司及保险中介顺应互联网金融的趋势纷纷设立相应平台开设互联网保险业务,互联网保险成为拉动我国保费增长的重要因素之一。

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In recent years, with the rapid development of Internet technology, the insurance industry is gradually changing the traditional development direction, using the Internet to conduct business, to become the new trend of development of company management, domestic insurance companies and insurance intermediary complies with the trend of the Internet financial have set up corresponding platform to open Internet insurance business, the Internet insurance become one of the important factors that drive our premium growth. Internet insurance refers to insurance information consultation, plan design, insurance, fee, underwriting, underwriting, policy information query, save changes, the whole process of renewal fee, reimbursement and payment of the insurance networked.

In 2016, a total of 117 Chinese insurance agency business Internet insurance business, the seven more than in 2015, the national insurance industry has 76% of the insurance company and cooperate with the third party platform through self-built website different business model was carried out by the Internet, such as insurance business. In terms of premiums, China's Internet insurance premium income reached 234.7 billion yuan last year, up 5% from 2015. The coming of the e-commerce boom has made Internet insurance further explore the business model suitable for its own development, and it has developed rapidly. In recent years, e-commerce subverts the traditional idea, at the same time online shopping has a geometric growth, the more inspired the rapid rise of the Internet insurance market, the Internet insurance become one of the important factors that drive premium growth, the Internet present the rapid growth of premium income situation.

Internet insurance development is rapid, wide variety, mainly related to the life insurance, insurance, short-term accident injury insurance and innovative coverage, the Internet has the characteristics of informatization, interaction, virtualization and insurance industry product features, marketing demand, Internet insurance reduces the policy space constraints in the sales process, make the insurance company broke through the door marketing geographical restrictions, for policy-holder also greatly saves time and transportation cost, can always pick on the site can meet the demand of its products. The online trading mode of Internet insurance enables customers to directly transmit their needs to the sales staff, and insurance companies can keep continuous and intensive communication with customers. Through the application of big data technology, insurance companies can accurately analyze the real needs of customers and truly focus on the needs of customers to meet their personalized insurance needs.

Information system is to support the technical basis for the development of Internet insurance, currently support Internet insurance of cloud computing, big data, etc. New technology development is not yet mature, the Internet's openness and vulnerability of the computer system can bring a lot of technology application on the risk of easy create online customer information leakage, make the legitimate rights and interests of clients violated, will cause adverse effect to the company's image. In addition, as a completely paperless office Internet insurance information system, its reliability directly affects the company's business development. Program vulnerabilities, network failures, operational errors, etc. can all directly affect the reliability of the system, leading to system crash, once user data is damaged, it is difficult to recover. This is disastrous for insurance companies.

By the rapid development of Internet insurance starts late in our country, and its development speed is far beyond the existing legal system, currently there is no specific Internet insurance laws and regulations governing the norms of network insurance business. At the same time, China's current insurance regulatory mechanism cannot meet the regulatory requirements of Internet insurance. Internet insurance not only needs the supervision of insurance industry, but also needs the supervision of Internet. The regulation of W is in line with the development of the market only when it combines the Internet and traditional insurance. The speed of Internet itself is so great that the development of Internet insurance cannot meet the development requirements of Internet insurance.

At present, China's Internet insurance coverage have focused on insurance, car insurance, financial risks, such as standardized products, product range is not large, single structure, serious homogeneity, and habits such as personalized products to meet consumer demand, particularly a lack of. Internet insurance products is not a simple traditional insurance product is moved to the Internet, but according to the characteristics of the Internet and combined with the needs of customers to modify the original product or to develop new products. At present, China's insurance companies products are basically the same, there is no much difference, most companies will be simple casualty and general insurance products on the Internet, the network client when buy also easy to understand the product type, for more complex and high-end products still cannot through Internet sales, can't meet the customization needs of customers.

The insurance regulatory authorities shall, in due course, introduce the safety management norms of the Internet insurance information system, and make unified arrangements and clear regulations on the network information security from the perspective of the system. Enterprises should establish a sound Internet risk prevention and control system, strengthen technical research, improve security measures, establish an effective risk assessment and testing system, and dynamically detect network security. For the perfection of the payment system, to strengthen the safeguard transaction security, strengthen the management of insurance professionals, intensify punishment of violation behavior, to ensure the safety of customers and the company's information.

Internet insurance is our country's insurance industry development trend, but the Internet is the virtual sex, make the traditional insurance related law no longer applies, only as soon as possible, set up suitable for the development of Internet insurance related laws and regulations, to the development of Internet insurance to create a good environment for development. To Internet insurance included in the "insurance law", to increase the Internet for the Internet insurance rules, and focused on the information security of Internet security faces, personal privacy protection problems, formulate corresponding laws and regulations, making the Internet insurance laws in the business operation and risk prevention ways. At the same time, we should also establish and improve the rules and regulations of electronic payment and settlement, electronic signature and data acquisition, and make clear and standardized legal provisions for the development of Internet insurance.

Use of big data and cloud computing technology, the investigation and analysis of Internet insurance needs of users, based on the requirement of the customer to product change, improve the product's utility, omni-directional and multi-level Internet insurance product innovation design, optimize product structure, suitable for Internet sales products, forming the unique advantages of Internet is different from the traditional insurance insurance sales. At the same time, based on the analysis of the large data in a timely manner to capture the market, a better understanding of customer behavior and preferences, understand customer needs, accurate positioning customers, implement personalized customized and pricing of insurance products, improve customer satisfaction, and further promote the rapid development of the insurance industry.

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