Analysis Of Countermeasures To The Development Of Online-insurance In China

With the rapid development of network technology, insurance companies all over the world pay attention to Online-insurance.Although the development of insurance industry in our country is still at a very low level, the market potential is very enormous. We see that the defect for the traditional insurance management style can not fully explore the latent market, and Online-insurance can overcome these problems. On the other hand ,with China's entry into WTO, there are more and more foreign insurance company opening in China, So, Online-insurance will play a very important roll in the development process of insurance industry in our country.However, we also see that the development of Online-insurance will be restricted by a lot of "bottleneck", and the insurance industry will face not only technological problems , but also the risks in aspects such as social economy f law, security etc, at the same time, we will face challenges and difficulties in countermeasures of insurance surveillant department against development of Online-insurance. Therefore , on the one hand , the development of Online-insurance brings about opportunities to China's insurance industry, on the other hand, it brings about challenges as well. We must explore an unique way to develop Online-insurance to be adapted to the situation of China.This dissertation consists of four chapters. The chapter 1 focuses on the necessity and feasibility to develop Online-insurance of China's insurance industryfrom four aspects. The first part gives the definition of Online-insurance, and the second part analyses the advantages of Online-insurance. The third part discusses its necessity of developing Online-insurance, studying its definition. And the last part explores the feasibility of Online-insurance. The chapter 2 discusses the origination and the current situation of development of Online-insurance at home and abroad, then analyses its modes choices and risk avoiding of the development of Online-insurance in China by the recommendation of international successful experience. The chapter 3 analyses the obstacles of the development of Online-insurance in China and the countermeasure to it from the aspects of China's insurance industry, China's insurance intermediaries and insurance surveillant department. In the chapter 4 problems of risk management in development of China' Online-insurance are raised and suggestions are given to it.