Analysis And Construction Of Electronic Commerce Pattern In Insurance Industry

As a new business mode,electronic commerce is becoming more and more popular in traditional industry.In insurance industry,electronic commerce pattern is being employed to areas in internal management,operating process and service.At present,about 90%of the insurance companies have established their web sites whose purpose is limited to introduce products and company,communicate with the customers,make advertisements,of which,only several firms have engaged in Internet insurance business.However,Internet insurance includes covering and payment in the Internet except for checking the covering and delivering the insurance policy.Now there is no company to be able to operate business,buy insurance,check the covering and do claiming by using the present electronic commerce platform,including China Pacific Insurance Co.,Ltd(CPIC),Ping An of China Co.,Ltd and China Insurance Co., Ltd.Therefore,plan on scientific and proper research and development of constructing electronic commerce pattern in insurance industry is significant to every insurance company from the point of view of international and domestic market,and industry area.This paper tries to find the existing problem in the construction pattern of electronic commerce platform in domestic insurance industry according to the analysis on the development of present electronic commerce in international and domestic insurance industry,which makes measures to develop our electronic commerce,sums up business patterns employed by internal insurance company,and discusses a new business pattern appropriate for our national conditions and present status in insurance industry in accordance with the characteristics of present electronic business mode.On the basis of the above,making use of knowledge on customer relationship management and electronic commerce and employing B to B pattern,this paper also makes detained instruction on the construction plan by means of taking XX Company for example.Moreover,the complete and elaborated analysis for technology, performance effects,existing problems and improvements of the plan are introduced.