The Rdevelopment Of Internet Insurance In Our Country

With the development of the insurance industry in our country,the traditional insurance revealed gradually,at present,China's Internet technology mature and also exerts a have to change the direction of the trade environment and the development of China's financial industry,the Internet insurance also arises at the historic moment.Few years,the high-speed development of Internet insurance in our country,to become each big insurance company development object,make up for the deficiency of the traditional insurance,but because the Internet insurance in China started late,as the emerging things in the insurance industry in our country,the development of Internet insurance is only more than ten years,although in the high speed development of more than ten years have a profound impact on the insurance industry,but compared with developed countries,Europe and the United States,Japan and South Korea and other insurance Internet insurance there are still many shortcomings in our country,there are a lot of experience to draw lessons from,and combined with the situation of our country insurance for continuous innovation of the Internet.This paper introduces the background meaning of the topic,and illustrates the shortcomings of the project and innovation in this paper.Chapter 2 introduces the basic theory of Internet insurance,and expounds the necessity of developing Internet insurance.The third chapter introduces the Internet insurance situation in our country,first introduces the development course,secondly introduces the current situation of the development of Internet insurance,and then the Internet of our country insurance industry market environment was analyzed,and introduces the structure of the Internet in our country insurance industry coverage and innovation,the existing problems in the development of Internet insurance in our country,from technical and non-technical part points out the existing problems in the development of Internet insurance in our country.The technical issues are primarily the first,information security issues;Second,the structure of Internet insurance products is too monolithic;Thirdly,the online sales process is immature and the service function is incomplete.The non-technical problems are the first and the relevant laws and regulations are not sound.Second,the absence of Internet insurance regulation;Third,the consumer is not the same.Fourth,there is a shortage of professional personnel.The fourth chapter presents the Internet for some foreign insurance development,from these advanced insurance countries Internet developing summarizes some enlightenment on Internet insurance is improved in our country.Chapter 5 puts forward the corresponding solution to the problem of China's Internet insurance in chapter 4.First,to strengthen research on the safety of Internet technology;Second,we will continue to innovate on the Internet insurance products.Third,to improve the function of insurance company network insurance;Fourth,we will accelerate the pace of online insurance legislation.Fifth,we will increase the oversight of Internet insurance.Sixth,we need to increase insurance products and the way we trade online,and raise the level of insurance acceptance.Seventh,we will promote the construction of online insurance professionals.