浅析大数据背景下互联网保险风险防范与监管摘 要随着互联网技术的迅速和逐渐成熟的发展，互联网正在加速与各领域的深度融合与发展。其中，众多目光长远的保险公司将互联网与保险相结合,旨在创造出一种全新的保险营销模式和客户体验模式。互联网保险通过新格式的最新渠道逐渐变化，包括保险产品、服务、销售渠道等。保险监督和风险管理为了同时实现保险开发和规范，必须保证互联网保险安全规范发展。本文从随着互联网迅速发展，我国互联网保险也随之崛起，在分析互联网保险的特征与现状后发现互联网保险存在众多风险，在监管上也存在漏洞的基础上，对在大数据背景下互联网保险的风险与监管提出相应对策。关键词：互联网保险 风险 监管AbstractWith the rapid and gradually mature development of Internet technology, the Internet is accelerating its in-depth integration and development with various fields. Among them, many long-term insurance companies combine the Internet with insurance to create a brand-new insurance marketing model and customer experience model. Internet insurance gradually changes through the latest channels in the new format, including insurance products, services, sales channels, etc. In order to realize insurance development and standardization simultaneously, insurance supervision and risk management must ensure the development of Internet insurance safety standards. With the rapid development of the Internet, China's Internet insurance has also risen. After analyzing the characteristics and current situation of Internet insurance, this paper finds that there are many risks in Internet insurance and puts forward corresponding countermeasures to the risks and supervision of Internet insurance under the background of big data.Keywords: Internet Insurance risk supervision目 录一、互联网保险的发展现状.................................1（一）互联网保险的内涵..........................................1（二）互联网保险的现状.........................................
