Research On Credit Risk Management Of Internet Insurance In China

In recent years, with the rapid progress in the development of social economy and the Internet technology, the network has become a trend of the times. Was described as the insurance electronic commerce network insurance emerge as the times require and develops fast. The network has become an important driving force for insurance to promote the rapid development of China’s insurance industry, all of the insurance enterprises also quickly Internet insurance business of their own, although optimistic about the prospects of network insurance, but the Internet in the insurance industry has brought new impetus has also brought a greater risk, such as credit risk, security risk, the technical risk, the risk of human capital, and so on, so that the risk of network insurance become more complex. The healthy development of the insurance business and restricts the network. Therefore, to understand the risk of network insurance, and scientific management of these risks, in order to promote the healthy development of modern network insurance. Based on this, this article from the perspective of credit risk insurance of the network, using logit model and the history data of network insurance credit risk measurement, to find out the key factors affecting the network credit risk insurance, in order to provide theoretical basis of insurance industry in the expansion of network insurance business, to promote the rapid development of China’s Internet insurance health.This paper is divided into five chapters.The first chapter is an introduction. The background, purpose and significance to clarify the research on credit risk management of insurance in Internet, based on the research achievements of predecessors, put forward their own research ideas, research contents, research methods and innovation.Effects of second chapter network insurance credit risk factors and its mechanism of action. This chapter is based on defining the network insurance and credit risk concept, analyzes the reasons of credit risk of China’s Internet insurance produce, pointed out the influencing factors of network insurance of credit risk, and further analyzed the mechanism of effect of network insurance credit risk factors.Comparison of the third chapter network insurance credit risk assessment method. This chapter mainly expounds and compares the traditional evaluation method of credit risk evaluation of several main methods and modern credit risk, points out their advantages and disadvantages have. On this basis, combined with the characteristics of Internet insurance in credit risk, put forward comparing with logit model and other assessment model for network insurance credit risk measurement on the advantages of.Credit risk assessment of network insurance based on logit model in chapter fourth. This chapter according to the factors affecting the network insurance of credit risk, we selected seven important dependent variables and seven important independent variables, we construct a more suitable for network insurance of credit risk measurement logit model using the data obtained, each of these dependent variable take logic and multiple linear regression analysis regression analysis, some important conclusions are obtained.The fifth chapter is the conclusion, countermeasures and prospects. This chapter summarizes the conclusions of the full text of the study, puts forward the Countermeasures of prevention and control of network in our country insurance credit risk, and points out the future research still needs the effort direction.