我国网络保险发展现状、存在问题及对策分析

网络保险存在品种多、杂乱、认知度低、普及差、市场有潜力但发展缓慢等问题。解决这些问题，对于我国金融业和经济发展，有着改变金融业结构、提高金融业人员素质、加速金融业发展进程和发挥出保险本来减少社会风险功能的重要意义。前述网络保险存在问题的成因主要在于保险业发展过程中的硬推销模式留下对保险的不良印象,还有中国电子网络、法律、监管及规避风险文化发展落后。根据现代金融理论以及本文的研究，在建立完善保险产品整合市场和网站的前提下，对保险产品进行标准化，推动保险业内部结构和文化转变,提高保险业人员入门要求与在职培训等措施有助于网络保险存在问题的解决。

关键词  网络保险；保险标准化；保险网络化；保险代理人制度
Abstract
    Network insurance has suffered the problem of variety, messy, low recognition, universal difference, with market potential but not development. Solving these problems can achieve significant change to the financial sector structure to our country economy, improve financial personnel quality and the process of development, showing how much insurance could reduce the social risk as it suppose to be. The causes of the problem lies in the development of the insurance industry in the process of hard sell mode of insurance leave bad impression, as well as the poor-developed electronic network, legal, regulatory and social consciousness of risk avoiding. According to the modern financial theory and the research of this paper, on the premise of a perfect insurance products integrated market and the site of insurance products was established, then standardization, promoting the insurance industry internal structure and culture change, improve insurance personnel entry requirements and on-the-job training and other measures help to the solution to the problem of network insurance.
Key words  network insurance  insurance standardization  insurance networking  insurance agent system

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