Study Of Operation Model Of Internet Insurance Companies

The global economy is in low growth,low interest rates,low inflation,and kinetic energy of the transformation of China's economy has entered a new normal development,in order to adapt to the new norm,leading the new norm,the state proposed Internet plus development strategy and supply side reforms.Insurance is a risk sharing in financial services,with the impact of the Internet and embedded continuously,many enterprises and capital are leveraging the Internet to realize the transformation and upgrading of business model innovation.Based on this background,this paper discusses the business model of Internet insurance companies by using the methods of theoretical analysis and empirical analysis,comparative analysis and literature analysis.Firstly,the connotation and extension of the Internet business model is defined;secondly the development status of the Internet insurance business model are analyzed and discussed its shortcomings and shortcomings.At the same time,also operating on the Internet business model and traditional insurance model are compared and analyzed;third,to Zhong An insurance as an example,the An Empirical Analysis on the Internet insurance business model;fourth,analyzed the characteristics and experience of the Internet business model of insurance in developed countries and Its Enlightenment to the development of the Internet insurance in China;finally,on the basis of the above analysis,puts forward some countermeasures and suggestions,such as the optimization of Internet business model,strengthen market supervision,improve the Internet insurance transaction safety,enhance the management level of service,increase product innovation and make the product development strategy.