Research On Internet Insurance Companies Applying Big Data

Since the 1980s,the new revolution in information technology in our country has had an important impact on people's life and work.Especially in the last ten years of entering the 21st century,Internet technology is being applied in all fields of industry.Internet technology has played an important role in promoting social development.As a result,the concept of "Internet + "Refers to the combination of Internet technology and traditional industries,as well as constant innovation and reform in the traditional industries,which enables the traditional industries to form Internet thinking and use Internet technologies such as cloud computing and big data to create new business models.The concept of "Internet +,has now risen to the level of the national strategy.All walks of life should step up their study and application of Internet technologies and formulate corresponding policies to help Internet technologies better integrate with their own businesses and comply with the development of the Internet age Claim.The financial industry plays a decisive role in society as a whole.As an important member of the financial industry,the insurance industry also plays a powerful role in promoting social development.Now with the continuous deepening of Internet technology and insurance industry,China's Internet insurance has also been a certain development,the number of companies operating the Internet insurance business has increased to 110,more and more consumers are willing to buy on the Internet Insurance services,Internet insurance service population is also rapidly proliferating.Among all Internet technologies,Big Data has the most disruptive impact on Internet insurance.The insurance industry has a long history of data usage and analysis.Big data technology can help the insurance industry improve the efficiency of data usage,design better insurance products and analyze risks.The main research methods of this paper are as follows:The first method is the case analysis method.This paper takes Zhong An Online Property Insurance Company with typical representative as an example to study the related problems that Internet insurance companies use big data technology.Through the analysis of specific cases,the essay is more complete and persuasive.The second method is literature analysis,through the Internet,query network database,library books and related websites within and outside the school,to collect relevant literature and find the existing research results,so as to conduct in-depth study,from different perspectives The third method is comparative analysis.In the course of research,this paper describes some advanced practices of developed countries in the process of using big data in internet insurance,points out that it is worth studying in our country,and promotes the healthy development of China's internet insurance industry.The essay is divided into five parts:The first chapter is an introduction,which gives a brief overview of the literature both at home and abroad,and points out the research ideas and methods,inadequacies and innovations.The second chapter is an overview of internet insurance.It introduces the concept of internet insurance and the intrinsic motivation,development history and development status of internet insurance in our country.Then it analyzes the business model of internet insurance and expounds the future development trend of internet insurance in our country.The third chapter introduces the application of big data in internet insurance,explains what is big data,explains the source of big data in internet insurance,discusses the impact of big data on the future market of internet insurance and gives Analysis of the Internet application of big data some of the challenges.Chapter 4 takes Zhong An Insurance as a concrete example to introduce the application of big data in internet insurance.Big data technology plays an important role in product development,marketing and service and risk control of Zhong An Insurance.The fifth chapter mainly based on the contents of the previous four chapters of research on Internet insurance companies and regulatory agencies put forward relevant proposals.