| Along with the application of the mobile Internet,small mobile intelligent terminal as well as the use of big data technology,the Internet insurance assumes the explosive growth in recent years,traditional insurance industry is faced with the transform and upgrade situation.The combination of the Internet and the insurance industry is a good solution to the problems that the single product structure,rigid pricing model,marketing channel saturation,and the limited business model in the traditional insurance industry.In recent years,the traditional domestic insurance companies have set foot in the Internet insurance business,and gradually establishing a big data platform,using big data and cloud computing technology to make innovations in insurance industry.Compared to foreign insurance companies,the using of big data technology in the value chain of insurance industry is relatively mature,the insurance industry in our country on the use of big data is still in the exploring and groping stage.This paper mainly studied the foreign insurance firms’ big data application case,and sorting and analysis of its specific content,which is conducive to enrich and improve the domestic insurance for the Internet case analysis.It is also helpful for the domestic insurance firms to learn the advanced experience from foreign companies about the application of big data,as well as a reference for the sustainable development of China’s Internet insurance.Firstly,this paper introduced the developed countries such as Britain,the United States,Japan and China’s Internet insurance development situation;Secondly,this article selected some big data applications typical case in foreign insurance firms to analysis;Thirdly,combining the domestic insurance companies on the use of big data sample to make a comparative analysis,then trying to identify deficiencies and gap on the application of big data between China insurance industry and foreign companies;Finally summarized the foreign insurance companies in the industry value chain using big data technology advanced experience and revelation,so that we can find the basis of reference and recommendations on how to apply the big data technologies for China’s Internet Insurance in the future.The innovation point of this paper is to combine the specific case studies of domestic and foreign companies.What’s more,extensive using of real-time data message to ensure that the results’ timeliness.The article’s topic keeps up with the pace of The Times that capture the trend of big data development,and also cater to the trend of the future development of the insurance. |
