Research On The Development Of Internet Insurance—based On Product Perspective

With the development of Internet technology,the rapid growth of electronic commerce and the maturity of the third party electronic payment technology,The number of netizens in our country has been increasing,which brings about the changing of people's shopping habits."Internet +",big data,block chain,cloud computing,cloud storage technology has become an irreplaceable economic hot spots,the Internet technology insurance industry insurance company,insurance intermediary companies are also actively in the development,efforts to explore innovative Internet insurance product design and marketing.In the secondary process,the CIRC has also developed the new problems of Internet insurance supervision,no matter how to improve the supervision system of Internet insurance.In 2013 the world's first professional Internet insurance companies,zhong an online formally established 2015,the CIRC has also approved the establishment of the Yi An Insurance,An Xin Insurance,Taikang online Insurance,so countries in efforts to promote the development of the Internet insurance.First,the development history of Internet insurance in China is introduced in detail.According to the development characteristics of Internet insurance,the development process of China's Internet insurance is divided into four stages.Secondly,from the perspective of the use of multi class data analysis of the current development of China's Internet insurance,after analyzing the problems existed in the current Internet insurance products from the perspective of products along with the corresponding examples,and summarizes the essence from the surname "Paul" the principle of respect of insurance product innovation and characteristics of Internet insurance products to meet the innovation to meet customer needs.Among them,the issue of Internet insurance is introduced from three aspects: the design of Internet products,the range of pricing and the marketing strategy.Finally,in view of all aspects of the Internet insurance products,the current problems and put forward the corresponding countermeasures,pointed out that in the future market,the Internet insurance products will be combined with big data,cloud computing,VR technology,block chain technology to develop more suitable for the needs of customers,more in line with the nature of insurance products.