Research On The Operation And Supervision Of China's Internet Insurance

In the last few years,with the rapid development of China's Internet economy,the Internet insurance has become more and more mature under the background of the Internet consumer environment and Internet Finance,become the focus of both inside and outside the industry concern once again.The vast network of consumer groups and people's Internet consumption habits,leading to the Internet has become an important sales channel for the insurance industry could not be ignored.The Internet insurance operations will bring profound influence and reformation for the entire insurance industry.Internet insurance with low cost,information transparency,wide coverage,high efficiency natural property,which provides unlimited development space foe the traditional insurance industry reform and innovation.Data given by the China insurance industry association shows that China's Internet insurance in the insurance premium income or in the operation of the Internet storage of the company,have increased significantly.These figures show that the development of China's Internet insurance is getting better and better,the scale is also growing.However,we still have to see that the institutional change cannot keep up with the rhythm of the market.The disadvantages are also exposed with the operation process of the Internet insurance.On the one hand,the system is not perfect.On the other hand,the institution is not strictly enforced in the process of operation.These problems eventually comes down to the imperfect supervision policy.Therefore,this article based on the perspective of the Internet insurance operation supervision to explore the Internet insurance operation and supervision in the process of the problems and Countermeasures.Through the combination of comprehensive use of theory and practice,qualitative analysis,investigation and interviews of these methods on the Internet insurance industry operations and regulatory aspects of the study in China,so the article is divided into five chapters to carry on the elaboration.The first chapter clarifies the background and significance of this paper,literature review,the writing ideas and research methods.The second chapter from the definition and features of Internet insurance,combined with operation background to analyze the current situation of China's Internet insurance operation mode,and used the Tai Kang and Ping An Life Insurance Company as a case for analysis.The third chapter mainly analyzes the problems in the operation and supervision of Internet insurance in China.The fourth chapter introduces the developed countries' insurance regulatory experience such as United States,Japan,and to provide empirical methods to solve the problem.In the last chapter,on the basis of the previous chapters,puts forward some specific measures to improve the supervision of Internet insurance in China.