Research On The Countermeasures Of Developing Internet Insurance In China

An invention of the Internet as a change in the world,with its unique shape change in all walks of life,changing every aspect of our lives,a combination of Internet and finance shows strong vitality and bright prospects for development,in recent years,the "Internet + financial" continuous rise,the concept of the third party payment,all the chips P2P,virtual currency lending,such as fresh emerge in an endless stream,the Internet is changing the traditional financial industry but also enrich the public financial life.The insurance industry as the last contact with the Internet sector of the financial sector,although the development of a short time,but has shown strong vitality.At the same time,China’s Internet premium forecast in 2020 will reach 10000 yuan scale,the total premium income accounted for 45%,in the rapid development of the Internet insurance at the same time,because it is a new model,compared with the developed countries,China’s Internet insurance is still in the early stages of development,there are various problems can not be avoided.This paper attempts to start from the concept of Internet insurance,expounds the connotation of the Internet insurance transfer,then the development history of the Internet insurance in China is summarized,based on the summary of the journey,theChinese Internet insurance model classification,risk analysis and regulatory issues facing China’s Internet insurance,and then puts forward some countermeasures and suggestions.According to the above ideas,this paper is mainly composed of the following parts:Chapter one:introduction.Mainly from the purpose of writing papers,research significance,research status at home and abroad,research methods and innovation.The second chapter:the connotation and advantages of Internet insurance.Mainly from the definition of Internet insurance as the starting point,the development of Internet insurance in China,the development of Internet insurance in the various stages of development.Then analyzes the future development trend of Internet insurance,and expounds the advantages of Internet insurance.The third chapter:the choice of the mode of developing Internet insurance in china.This chapter mainly analyzes the characteristics,advantages and problems of the five modes of Internet insurance in china.Then summarize the five development models,and analyze the reform direction of the various models.The fourth chapter:the development of Internet insurance risk and regulation.This chapter mainly analyzes the risks faced by China in the development of Internet insurance from the aspects of insurance fraud risk,information security risk and new legal dispute risk faced by China’s Internet development.At the same time,this paper expounds the current regulatory policies of our country,and analyzes the existing problems.In the fifth chapter,we put forward countermeasures and suggestions to face various risks.The fifth chapter:countermeasures and suggestions to further promote the development of Internet insurance in china.This chapter mainly from the improvement of China’s credit system,strengthen the supervision of the financial industry as a starting point for the sustainable and healthy development of China’s Internet insurance suggestions.The sixth chapter:summary and prospect.This chapter mainly summarizes the content of this paper,and looks forward to the future development of Internet insurance.