汽车保险电子商务销售模式现状分析 及发展思考 摘 要我国的机动车产业近几年保持着高速发展态势，从 2009 年开始，中国的机动车生产量和销售量己经超过了美国，成为世界第一的机动车产销大国。我国机动车产业的蓬勃发展预示着机动车辆保险和机动车辆保险产业链相关主体都将获得更加广阔的发展空间。实体保险产业高速发展的同时，我国汽车保险电子商务也在飞速发展。汽车保险业与互联网技术的结合无疑加速了汽车保险电子商务时代的到来。本文是基于互联网的机动车辆保险的经营的研究。首先，对互联网机动车辆保险的发展情况进行了总结，介绍了当前保险公司利用互联网进行保险业务经营的一些做法及未来发展趋势；其次，站在保险经营者角度对互联网机动车辆保险的经营活动进行了分析；再次，站在保险消费者角度，发现保险公司的互联网机动车辆保险经营模式的－些不足及相应的改进措施。本文最后提出保险公司在利用互联网平台经营机动车辆保险业务的同时要结合我国互联网机动车辆保险的现状。构建起以互联网经营为主，传统渠道经营为辅助，把两者有效的结合，做到＂互联网＋机动车辆保险＂的良性发展。关键词：互联网；机动车辆保险；经营；实证分析IAbstracChina's motor vehicle industry has maintained a rapid development trend in recent years, since 2009, China's motor vehicle production and sales volume has surpassed the United States, become the world's largest motor vehicle production and sales. The vigorous development of motor vehicle industry in China indicates that the relevant subjects of motor vehicle insurance and motor vehicle insurance industrial chain will obtain a broader development space. With the rapid development of the real insurance industry, the electronic commerce of automobile insurance in China is also developing rapidly. The combination of automobile insurance and internet technology has undoubtedly accelerated the arrival of the era of automobile insurance e-commerce.This paper is a study of the operation of motor vehicle insurance based on the internet. First, the development of the internet mobile...
