Under The Environment Of Internet + Insurance Business Digital Strategy Research

Digitalization has been coming,and digital technologies,represented by big data,public cloud(private cloud),mobile Internet and Internet of things,have risen rapidly.Although the domestic Internet insurance business development rapidly,but compared with the banking and financial institutions in the emerging Internet,digital in the early stage of development of domestic insurance enterprise,whether the absolute value or percentage are lower.In the context of the "new normal" of China's economy,the development of modern insurance service has been integrated into the national development strategy of the new era,and the status and role of the insurance industry have been sublimated.Modern insurance services will become more flexible,more and more diverse,and more and more connected with other living services.Future insurance services will build a green ecosystem of "insurance + living".In order to realize the green ecosphere of "insurance + life",and to build a digital operation system based on insurance informationization and digitization transformation,we will build a new value chain.That is to say,the insurance industry should realize the sublimation and sustainable development,need to embrace the operation digitalization actively.he Internet + era strengthens the digital management,strategic decision and management philosophy of insurance enterprises.First,insurance companies need to exploit their own data value,set up data infrastructure and build DMP big data management platform.Second,insurance companies need to adjust the marketing channel development strategy,focus disintermediated,accelerate the transformation to the mobile terminal,mobile platform into the customer import,product marketing,product purchase new reservoir.Third,insurance companies need to integrate internal data,eliminate data islands and create multi-dimensional application scenarios for data realisations.In addition,the insurance industry also need to establish a perfect interaction mechanism in order to share the data of insurance enterprises,so as to form a closed loop,with insurance companies need to perfect,continuous,dynamic,recovery of the data pool,and applies the big data and digital sublimation to a new peak.All above shows our theoretical and practical significance to study the digitization of insurance industry.This paper will take the insurance industry as an example to analyze the necessity and ways of operation of the insurance industry,so as to guide the practice and promote the development of the insurance industry.It is hoped that the research of this paper can contribute to the development of Pacific insurance company,and it is also of great significance for other Chinese insurance companies in similar situations.