互联网保险发展问题研究

互联网和金融的结合正在对传统金融业进行着翻天覆地的重塑，保险作为金融领域的一部分，也在发生着改变。互联网保险的保费规模正在以惊人的速度增加，互联网保险保费收入所占比重也在大幅度的升高，而我国经营的互联网保险公司数量也在不断增多。互联网保险借助于互联网的发展以及互联网对人们消费习惯的影响，凭借自身的服务创新化，渠道多样化，交易便捷化的特点，正在迅速崛起。
 本文从分析我国互联网保险的发展历程出发，深入了解互联网保险行业在我国的发展现状，在此基础上通过解析互联网保险的特点，对比于传统保险行业的优势，展望其发展前景。最重要的是探究其发展道路上的制约因素，并结合保险产品自身因素、市场因素和监管因素提出相应的对策，促进其上升式的发展。

关键词：互联网保险；发展现状；监管
Abstract

With the Internet and the financial industry is the traditional financial industry to turn the world upside down remodeling, insurance as a part of the financial sector, is also changing. The Internet insurance premium scale is increasing at an alarming rate, the Internet insurance premium income proportion has also increased significantly, while the number of China's Internet business the insurance company is also increasing. Influence the development of Internet insurance with the help of the Internet and the Internet on people's consumption habits, by virtue of their service innovation, channel diversification, the characteristics of trade facilitation, is rising rapidly.
This paper analyzes the development process of China's Internet insurance based, in-depth understanding of the Internet insurance industry development in China, based on the analysis of characteristics of the Internet insurance, compared to the traditional insurance industry advantages, the development prospects are the most important factors. The research on the path of development,  market factors and regulatory factors put forward the corresponding countermeasures to promote the development of the rise.

Key words: Internet insurance; Supervision; Product service

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