| This graduation thesis for master tries to introduce the e-insurance in China and research the questions of e-insurance. The discussion proceeds under four main headings: Chapter 1:E-insurance is that insurance companies and insurance agencies based on the information technology,through the internet to sell insurance products. E-insurance is a new insurance business models and distribution channel. It affects each side of insurance,such as the management of insurance companies and competition strategy of insurance companies. E-insurance is the concrete application of e-business in the insurance field. E-business simply mains that people use the internet to make business. E-insurance has taking mark achievement in out states. The reasons are these: 1,cut costs;2,the custom have many choices;3,reduce the risk;4,continuous and personality service.5,protect the custom's privacies.6,give support to information.7,promote innovation.8,accelerate the merge in finance and promote the insurance companies' competition force. The e-insurance in China is a new thing,the insurance companies mostly use the internet to provide insurance consultation and introduce the insurance knowledge to people. The insurance companies in China have took an active attitude to develop e-insurance,we believe the e-insurance will grow up quickly in China. When we take advantage of the e-insurance,we should cope with negative side of e-insurance,such as the credit risk and too much dependce on the technology. Chapter 2:Through economy analyzing of e-insurance,we think that one important reason why e-insurance can be quickly developed is that the e-insurance helps to cut insurance transaction costs. In this chapter,we use the transaction cost theory and the practice which insurance companies had made in Unite States to prove it. We had compared the gains and costs of e-insurance to prove that the insurance companies can get profits from e-insurance.In this chapter,We had discuss the other reason for the success of e-insurance,which is lower in price but with high quality service. The service can satisfy customs' demand.In the end,based on the economy analyzing of e-insurance and the practice,We get some conclusions:1,e-insurance will prick up the competition between insurance companies.2,e-insurance will impact the traditional brokerage system and offer opportunities to brokers.3,e-insurance will take benefits to customs.Chapter 3:This chapter discusses some questions about e-insurance that many insurance companies had encountered. These questions are:1,the information security about e-insurance;2,the law about e-business and e-insurance;3,the supervision of e-insurance. The information security about e-insurance means there are some hidden dangers in the process of e-business or e-insurance. That include:1,system interruption-the effectiveness of system will be broken;2,information will be wiretappered;3,information will be juggled;4,information will be forged;5,people maybe disavow their bargains;6,hacker attack the system. These hidden dangers bring menace to e-insurance. People bring up a cycle of technology security system of e-insurance,these include: firewall technology,add or decryption technology,digital sign technology. In the end,this chapter had introduce the solution schemes(SET and SSL)about disbursement security.The legislation questions about e-insurance mostly contain: the available of e-contract; e-sign and confirmation; the customs' right and personal privacy right will be protected. In this chapter,we will introduce the legislation status about e-business in the world. In the end,this chapter will introduce the supervision of e-insurance. We set out the objects of supervision and regulation: 1,make certain the security of insurance market;2,stand up the principle of fairplay;3,protect the benefits of customs. In order to reach these targets,we should mind out these ways:1,set up the pass into freemasonry;2,perfect... |
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