The Internet Insurance Model Research

With the concept of "Internet +" and large data,the continuous development of new technologies such as cloud computing,and rapid application,the current Internet financial in a booming gold stage.And the Internet as an important part of the Internet financial insurance,also in the period of explosive development.Internet insurance has a huge market potential,to promote Internet insurance products emerge in endlessly.It is important to note,however,the current development of Internet insurance also has many problems,because the Internet insurance development time is not long,relatively is still in the initial stage of development,the study of Internet insurance is more important.Based on the above background,this paper,taking the Internet insurance mode as the research object,discussed.In this paper,the concept of Internet insurance combed and summarized the evolution process of the analysis.Then introduce the domestic and foreign insurance development course and current situation of the development of the Internet.Then,from the product level,the marketing level and service level to introduce the mode of Internet insurance in China;The Internet insurance mode in foreign countries is introduced.'s website and marketing level,third-party e-commerce platform,professional intermediary sales platform pattern,the concurrently industry proxy mode and professional Internet insurance company case analysis,analysis on behalf of the five kinds of mode of the insurer's official website,taobao insurance,hui optional network insurance,ctrip and choose the conditions,characteristics and problems,and horizontal comparative analysis for each mode.Then,put forward the strategies of the select Internet insurance mode,and for perfecting and innovating the mode of China's Internet insurance to provide advice.In terms of innovating the mode of Internet insurance in our country,inspired by the foreign Internet insurance development stage,to think in the Internet to promote Internet insurance innovation;Inspired by the foreign Internet insurance mode of development,innovation in the direction of the deep vertical Internet insurance mode;Based on the model of the original basis,from the perspective of Internet insurance business scene depth excavation,innovation for Chinese Internet insurance mode;In addition to the Internet many of the risk faced by insurance company for this new field,it puts forward the model of insurance of our country Internet innovation insurance reinsurance companies can be established from the Internet or Internet insurance company the pattern of risk in this point of view.This paper USES qualitative analysis method,method of normative analysis,case analysis method to study the Internet insurance mode.Lack of quantitative data from the perspective of quantitative research in our country Internet insurance mode problem is difficult,so in this paper,the Internet insurance mode analysis is mainly qualitative analysis;In this paper,through the consult literature at home and abroad and the related book information,through extensive reading of research in the field of Internet insurance theory,and carry on the thorough analysis and thinking,classified research on the Internet insurance model,and summarizes the analysis.In five kinds of main mode,using the method of case analysis.This article innovation place three,first of all,the current five mainstream Internet insurance mode of case analysis,and choose the Internet insurance mode of strategy is given.The second point is that the article puts forward the creative direction for Internet insurance mode.This article deficiency is due the Internet insurance business model of lack of data,only in a qualitative analysis on China's Internet insurance model,quantitatively,and cannot be a lack of empirical part.