The Study On The Domestic Internet Auto Insurance

In recent years,with the gradual development of Internet technology,the Internet industry in the process of popularization has completed its infrastructure and platform construction,and in this process,a step-by-step to break free from its own industry restrictions,in various forms of integration in all walks of life.With the advent of "Internet + National Strategy" and the introduction of insurance "new Country 10","Internet +" can be used as the engine of transformation of traditional insurance industry,which brings an unprecedented opportunity for the take-off of insurance.In the past few years,the domestic insurance industry homeopathy,the courage to explore,pioneering and innovative,through increasing the investment of relevant technology and strengthen some level of business process optimization,with the help of large data base and related technologies such as cloud computing,to the whole of the current domestic insurance sector,including products and business model level of innovation.This has fundamentally subverted the insurance industry's behavior pattern and the market pattern,promotes the domestic Internet insurance fast growth.As the main business of property insurance,the development trend of automobile insurance is not only one of the concerns of all car users and owners,but also a main field for the major insurance companies to compete.At the end of 2015,the first Internet insurance brand-"Bao Biao"-was launched by public Safety insurance and ping An insurance,which was the initial "Internet +" model after the reform of the domestic car insurance premium rate.Internet insurance can rely on its own characteristics to make all aspects of auto insurance transparent,with the characteristics of the Internet,to achieve the return of the insurance company for the development of product design areas,at the same time put more to the follow-up claims service,so that consumers realize on-demand purchase.Therefore,how to make better use of the Internet channel to operate the insurance business,how to find the breakthrough point of consumers ' real needs,and excavate a model suitable for the overall economic situation of China's Internet insurance,has very important practical significance.This study aims to analyze the existing problems and deficiencies in the development of vehicle insurance,and put forward its long-term development path and thinking.This study consists of different main parts.The first part introduces the research on the development of automobile insurance,which is the domestic Internet automobile insurance.The second part gives an overview of the current development of the Internet auto insurance in China,introduces the existing import form of the Internet auto insurance in China,and analyzes the existing business model of the development of the Internet auto insurance in China and abroad by way of case study.The third part is on the basis of understanding the insurance policy,and then the development,premium income,platform operating mode innovation construction of a comprehensive introduction.The fourth part,the research report on the development of automobile insurance,with a small view of the development of domestic Internet auto insurance consumer concept,the channels,technology level,network security,regulatory constraints,and other constraints are summarized and summarized.In the last part of this paper,the author puts forward some suggestions to promote the further development of the insurance policy,including promoting actively,expanding the market of the scene embedding platform,strengthening the protection against information security risks,and strengthening the supervision of mobile Internet insurance.In China,the development of Bao Biao auto insurance and even the whole Internet auto insurance is still in the exploratory stage,but it is of great exemplary significance for the transition and development of the whole traditional and internet insurances industry.For the FPA insurance and public safety insurance,because it has the advantage,the establishment of Bao Biao auto insurance is also a special development opportunity.Therefore,in the insurance of the opportunity and background of the auto insurance,I believe that in the future,by the insurance of the new situation of the domestic Internet auto insurance,will be a step by step to achieve the full development.