The Research Of The Application Of “Internet + Mutual Insurance” In The Auto Insurance Market

In March 2015, Premier Li put forward the concept of "Internet +" in the government report. Since then, the Internet has not only been an industry, jumped out of the category of the industry, it is an engine of China's economic transformation and upgrading, and has become an economic strategy of our country. The combination of the Internet and traditional industries, improve the efficiency of the development of the industry, leading the industry innovation and development. "Internet + insurance" development model of the emergence of the traditional insurance industry has injected new vitality. In order to encourage diversification and development of the insurance industry, the same year mutual insurance license floodgates, as the original form of insurance and the great potential for the development of our country. Based on this background, this paper focuses on the current concern of the relatively high degree of auto insurance market. In recent years, the insurance premium rate market reform continues to advance, the auto insurance market competition is fierce, auto insurance business profitability difficult, becoming troubled by the development of property insurance companies in China, this paper just imagine if we can use the Internet + mutual insurance, this new model, breaking the current auto insurance business operating difficult predicament?This paper from the theory, combing the "Internet plus mutual insurance related concepts and theoretical basis for the later; secondly, mutual insurance and insurance development status and problems existed in the process of development; then from the auto insurance business, insurance organization diversification and the development of" Internet plus mutual insurance "in the auto insurance market, the natural advantages of three aspects in the auto insurance market development" Internet plus mutual insurance "the necessity, and market conditions; then from the government to create "auto insurance data network sharing platform, Internet plus mutual insurance company for large data processing, the depth of" Internet plus mutual insurance company; finally considering the several important conclusions of this paper, and the imagination of a "few Internet plus mutual insurance" in the development of insurance market outlook.