| In recent years,the digital economy has fostered new driving forces for economic development and led the transformation of industries.At the same time,it has also brought various cyber security risks.According to Cybersecurity Ventures 2022 Cybe rcrime report,the global cost of cyber crime is expected to increase by 15% annually over the next five years,reaching an estimated $10.5 trillion by 2025.The Party and the government attach great importance to network security,set up the Central Leading Group for Network Security and Informatization,and released the National Cyberspace Security Strategy in 2016,which clearly put forward that both network security and development should be equal,to achieve the goal of becoming a cyber power.In the Three-year Action Plan for High-quality Development of Network Security Industry(2021-2023)issued by the Ministry of Industry and Information Technology in 2021,it is clearly proposed that network security insurance should be included in the capital empowerment project of network security industry.In 2022,China Banking and Insurance Regulatory Commission and the Ministry of Industry and Information Technology issued Opinions on Promoting the Healthy Development of Network security Insurance norms to promote the integrated and innovative development of financial services and network security.In this context,this paper carries out research on the development of Chinese network security insurance,and uses literature research method,comparative analysis method,case analysis method,to discuss how to make use of science and technology,cross-industry deep cooperation,create a benign network security insurance ecosystem,help realize the national network security strategy.Firstly,this paper summarizes the research status of digital economy,network security risks and network security insurance from the background and research significance.On this basis,select Zhongan network security insurance as a case study.Zhongan network security Insurance has obvious advantages and a complete reality foundation in the realization of technology empowerment,cross-field and cross-industry cooperation and product design.Secondly,from the overall point of view,the development of digital economy brings opportunities to network security insurance.In the era of digital economy,network security incidents occur frequently,and the importance of network security management is becoming increasingly prominent.Risk management is an important way to deal with network security risks.In addition,the development of network security industry and digital technology and the release of network security policies have laid the foundation for the development of network security insurance.Then this paper analyzes the status quo and question of the development of network security insurance in our country,which begins from four aspects: market status quo,business mode,demand and underwriting condition.On this basis,this paper further summarizes the existing problems in the development of network security insurance in our country and analyzes its reasons.Aiming at these problems,it analyzes the development status of network security insurance in the United States,Singapore and Europe,and sums up the development experience of foreign network security insurance.At last,this article puts forward countermeasures and suggestions on the development of Chinese network security insurance in the era of digital economy from government,insurance companies and network security enterprises.The innovations of this paper are as follows: on the one hand,predecessors’ researches have increased the perspective of network security enterprise to study the development of our network security insurance;On the other hand,it analyzes how to apply digital technologies such as blockchain,digital twin technology,machine learning model and artificial intelligence to each link of network security insurance,and puts forward specific suggestions for the development of network security insurance based on digital technology. |
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