| Family property insurance is insurance for urban and rural households with their houses and tangible property stored in fixed places as its subject matter.Because of its wide coverage,it can effectively reduce property losses and prevent family risks.It is considered to be an important insurance with social security significance in the field of property insurance.With the sustained and steady development of China's economy,the property and casualty insurance market is booming,and premium income has risen linearly.However,under the background of its prosperity,it hides the unique structural imbalance between property insurance.As a former backbone insurance,the family property insurance has gradually fallen into a development dilemma.As of 2017,the proportion of its premiums in the entire property insurance business has shrunk to less than 0.5%.The main reason is at the supply level,and the main problem is the product design front end.The existing product homogenization phenomenon is serious,the scope of insurance coverage is narrow,the rate setting is unreasonable,and it fails to meet the core needs of customers.The used “backbone insurance” turns to be “chicken ribs”.Fortunately,the new era opportunities offer the possibility of optimizing family insurance products: frequent family property accidents,rapidly increasing family wealth and real estate equity,making the public aware of the important value of preventing family risks;The application of intelligent technology such as big data,Internet of things,artificial intelligence and block chain gradually endow insurance,which opens up a new era for the innovation of intelligent insurance products.Many property insurance companies take advantage of the momentum to explore insurance product innovation under the support of intelligent technology,UBI automobile insurance and intelligent monitoring health insurance have come out one after another;at the same time,relevant national policies have encouraged the rapid development of the intelligent interconnection industry,and products represented by smart home make the intelligent interconnected family scene come true.Based on the above background,the author tries to combine the optimization of family property insurance with intelligent technology,and brews the concept of "intelligent interconnected family property insurance",trying to open a new situation for the reform of family property insurance products.Intelligent interconnection of family scenarios is the basic premise of optimization of family property insurance products in this paper.The concept of "Intelligent Interconnected Family Scene" has not been clearly explained at home and abroad.The concept of "Intelligent Interconnected Family Scene" is preliminarily defined as: Intelligent Interconnected Equipment represented by Smart Home is used as a carrier,and intelligent interconnection technology is widely used to realize the interconnection of various items in the family,real-time data transmission and intelligent operation of the family environment.Intelligent interconnected home scenarios include the basic features of monitoring,control,optimization and automation.From the application product point of view,the main application achievement and supporting product of intelligent interconnected family scene is smart home.It is a broad and systematic product concept.It takes the residence as the platform,intelligently interconnected equipment networking and interworking to form an object system to enhance the safety,convenience and comfort of home.From the point of view of application technology,intelligent interconnected home scenario includes the frontier technologies such as Internet of Things,big data,cloud computing,artificial intelligence and block chain.It uses data transmission,data processing and data analysis as the way to realize intelligent operation by machine learning.Product optimization can't ignore the actual situation,and can't be arrogant.It needs a solid theory to point the way to the optimization plan.Due to the stagnation of the property insurance business,it is attributed to the “long tail product” at the end of the sale.Therefore,this article uses the long tail theory as a guide,focusing on the traditionally unpopular,low-speed long tail,and exploiting the potential of property insurance.With the help of the long tail theory,this paper analyzes the long tail market expansion method,and concludes that the optimization ideas of the property insurance products are divided into two levels: cost reduction and rich variety.Specifically,reducing costs includes cutting operating costs and managing claims costs,while the rich categories are subdivided into products in terms of insurance amounts,insurance liabilities,insurance rates,and claims rules.According to the optimization ideas,this paper refines the optimization plan of intelligent interconnection type property insurance in the aspects of underwriting,underwriting,risk control and claims.Accurately mining insurance demand to realize insurance product customization;real-time monitoring and intelligent alarm to pre-position risk management and control;artificial intelligence and block chain to make fixed loss claims efficient;with the help of large data mining and analysis,intelligent mutual.Joint Family Property Insurance will also provide various kinds of intimate services for policy-holders.Based on the above research ideas,the specific contents of each chapter are summarized as follows:The first chapter is introduction.This paper elaborates the background and significance of the topic,combs the relevant literature at home and abroad by choosing the three topics of family property insurance,insurance product design and Federal Insurance of Things,introduces the research methods,research contents and research ideas,and provides the full-text technology roadmap,and finally extracts the possible innovations and shortcomings of the article.Chapter 2: Concepts and theoretical basis.Intelligent interconnected family scenario is the prerequisite for the optimization of family property insurance.On the basis of preliminary definition of its concept,from the micro and macro perspectives of smart home and Internet of Things,big data,cloud computing,artificial intelligence and block chain,the related technologies,products and functions are summarized,and the clear outline of intelligent interconnected family scenario is outlined;the basic concept,connotation and owner of family property insurance are refined and summarized.On the basis of defining the concept of property insurance product design,the basic principles of insurance product design are summarized,and the relevant process of property insurance product design is sorted out.Chapter 3: The development of China's family property insurance and the scenario application of intelligent interconnection.This paper probes into the necessity of product optimization of China's family property insurance: the mismatch between supply and demand is the main cause of the predicament of the development of family property insurance.Due to the narrow scope of insurance liability,unreasonable rate setting and single product structure,the existing products can‘t meet the increasing demand of family insurance,so the product reform of family property insurance has become an arrow on the string with the development of intelligent insurance.With the emergence of new insurance format and the initial formation of new insurance format,the optimization of household property insurance products is facing unprecedented opportunities.Based on the particularity of risk and insurance,it is found that the traditional risk of household property in the scenario of intelligent interconnection is expected to be effectively controlled.Therefore,the insurance,risk control and service of household property insurance products have been transformed,which further demonstrates the superiority of intelligent interconnection household property insurance.Chapter 4: Product optimization scheme of family property insurance in the context of intelligent interconnection.This chapter is the key chapter of this article.We chooses the long tail theory as the guidance,clarifying its connotation and applicability to family property insurance,and according to three ways of expanding the long tail market,trying to put forward the general idea of optimizing family property insurance products of "rich variety" and "cost reduction".Secondly,this chapter preliminarily designs the intelligent interconnected family property insurance products,expands the coverage of insurance liability in the current family property insurance scheme,and adds the "water pipe".Leakage,indoor robbery and "abnormal voltage" situations;insurance property will include portable electrical appliances,jewelry,antique paintings and even potted flowers and plants and pets into the protection model text;considering the regional differences in housing prices,the insurance amount is divided into three grades: A,B and C according to the city category;Damage settlement can be achieved by means of the Internet of Things,image recognition and intelligent contracts,so as to accurately determine the loss and settle the claim.Although intelligent interconnection products have many advantages,as a forward-looking technology product,in order to truly graft on family property insurance,there are still some constraints,such as lack of unified industry standards,insurer data application ability is not strong,and the data management platform of intelligent interconnection industry has not yet been built.Chapter 5: Item design and operation process of intelligent interconnected family property insurance product optimization.Firstly,this chapter preliminarily designs the insurance clauses of intelligent interconnected family property insurance.Secondly,it uses simulation cases to analyze the operation process of intelligent interconnected family property insurance.Given the background conditions of the case,it simulates and constructs the case scenario with Mr.Liu as the insured person,and fills in the specific stories to show the operation processes of insurance,risk control,loss determination and compensation,and attaches intelligent family property.The terms and contents of property insurance are more detailed and specific to show the functions and advantages of intelligent interconnected family property insurance.Chapter 6: Conclusion,Suggestions and Prospects.This chapter summarizes the conclusions of this paper,and prospects the development prospects and reform directions of China's property insurance industry in the light of the advent of the era of artificial intelligence and the development of Internet of Things,big data and block chain technology.It is suggested that the responsibilities of insurance companies and regulatory agencies should be clearly defined,and that a nationwide large data platform for Internet of Things should be constructed by cooperation of all parties.The purpose of this paper is to attract more people to pay attention to the optimization and improvement of family property insurance and realize the opportunity and value of intelligent interconnected family property insurance.The innovations of this paper are as follows: Firstly,we try to study the combination of intelligent technology and home property insurance,focusing on the macro-background of the structural imbalance of property insurance and the increasing mismatch between supply and demand of family property insurance products in our country,expounding and analyzing the necessity of optimizing family property insurance products,and combining with the rapid development of intelligent interconnected industry supported by relevant policies,the new form of insurance industry has taken shape initially.In the background of the times,the possibility of combining intelligent technology with family property insurance is explored,and the optimization direction of intelligent interconnected family property insurance is proposed.Secondly,we try to apply the intelligent interconnected family scenario to the family property insurance,and refine the optimization scheme of the intelligent interconnected family property insurance products.Previously,scholars focused their research on the macro-level recommendations or technology application.The research process lacked theoretical support,and the content of product design was mainly focused on health insurance and automobile insurance.There was little research on the optimization of household property insurance products.Based on the long tail theory,this paper explores the optimization of intelligent interconnected family property insurance,and on this basis,refines the intelligent interconnected family property insurance product scheme from multiple dimensions such as insurance liability,insurance amount,rate determination and loss settlement.Thirdly,the article preliminarily designs the intelligent interconnected family property insurance clause and discusses its operation process.This paper refers to the current family property insurance products on the market,and matches the complete insurance clauses for the intelligent interconnected family property insurance,and uses a simulation case to illustrate its operation process in detail from the aspects of insurance,risk control and claim settlement,so as to make the whole optimization design feasible and practical. |
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