Study On The Integrated Business Model Of Mobile E-commerce Car Insurance

Owners of mobile e-commerce has changed the way of life, it also brings great challenges and opportunities for the insurance industry. We need to learn from the experience of outstanding APP construction industry, fast to seize the opportunity to promote mobile applications. "Mobile commerce is the bright spot in the future of the insurance industry, will create market value beyond imagination." According to authoritative prediction:the next decade, the global insurance business will have 31% of the commercial insurance and 37% have personal insurance carried out by mobile e-commerce.In the context of this paper, mobile e-commerce on car insurance model is under study the new situation and business opportunities facing car insurance. Through comprehensive research on the market, and car class APP interbank mobile commerce application case analysis, the customers are willing to buy insurance through a self-service, so compared to the intermediary, through more money. By car networking, LBS positioning function, big data analytics to understand the situation and the vehicle traveling data, better control risk, to provide users with more support.Pingan full bloom on the Internet finance roads, includes not only one wallet, the world pass, the land of gold, Pingan pay, Pingan good car, good room safe level of product and other large portals, while also developing their various subsidiaries products, such as car insurance, there Pingan accompanied Pingan car insurance, safe fast and easy free 6 different functions, such as APP. This article will focus on the analysis accompanying the Pingan car insurance, car insurance safe, fast and easy Free Pingan APP these three models feature advantages. And for functional safety car insurance car models currently three classes APP appear scattered, loss of function, and low customer stickiness problems through research psychological analysis and the actual needs of the owner when the owner of the insurance consumer, and make optimization recommendations.In this paper, Pingan car insurance company for the study how to integrated the insurance company mobile e-commerce platform. With good safe car insurance owners APP platform, "cheap car insurance" as a starting point to build owners ecosystem, eventually seize a larger market share. Pingan car insurance will be constructed owners ecosystem, using the Internet, the owners of life insurance and other services provided directly to users, access to user data, clustering and risk screening effectively achieve lower prices to attract more users.Firstly, the demand for this million by the owners of the analysis, summarized the four needs of owners, four levels of demand for the user to determine the same car insurance and related services are the focus of research and analysis, but also extended to owners of life and entertainment. Specific content includes three one, car insurance, integration of existing capabilities, offer to buy, policy administration, claims the whole process convenient services; and provide users with personalized product recommendations and pricing to help users direct access to buy more to save money. The second is car Service, vehicle maintenance operation for the owners to provide special services to help owners save money, convenient and secure. For example, users on average 2-3 times per month refueling, car wash 1-2 times,3-5 times total use, enabling highly interactive, high viscosity. The third is car life, car entertainment, will be extended to owners of the APP service life, high-frequency interactive entertainment, implementation and the owners, bring convenience to users. Then, based on a wealth of customer information APP acquisition, combined with the advanced pricing models refined risk screening for low-risk customers will give more price concessions to achieve cheap car insurance, seize the market. Finally, the analysis by the above four kinds to meet customer demand for profit model will achieve three kinds:1, product profitability:Through a variety of services to meet customer demand will be passive.2, value-added profit:Used car trade, Pingan pay, Pingan Bank.3, the industrial chain profit:accessories, car accessories.