我国互联网保险的发展现状及其问题分析【摘要】随着信息时代的到来以及互联网技术的提高，互联网保险以其独特的时效性、交互性、经济性及灵活性快速地在我国得以发展。互联网保险具备着很多传统保险所不具备的特点，不仅结合了互联网的特色，也能更好地发挥传统保险的本质功能，它的出现能够从根本上改变传统保险的运营模式以及服务方式，结合互联网的特色更好地为客户提供服务，同时也为传统保险业带来了巨大的挑战。我国的互联网保险在现阶段还存在着许多的问题，要去解决这些问题，不仅需要从我国的国情出发，有选择地吸收外国发展互联网保险的经验，更重要的是发挥市场的能动性。我国的互联网保险在经历了迅猛发展的阶段后，出现了疲软的现象，这在一定程度上反映出其仍然存在着很多的问题，比如法律法规层面问题，迟迟没有得到完善；缺乏有相关学识的专业人才；缺乏险种的创新；缺乏有限的监管，信息安全问题等等。 本文将通过分析互联网保险的发展背景，现状以其特点，着重分析现阶段存在的问题，并针对这些问题，提出解决方案，使其更能顺应市场的需求，激发市场的能动性，更好、更健康地全面发展，这对于传统保险业的改造，人民的生活便利都具备着重要的意义。【关键词】互联网保险; 大数据；发展对策The Rearsch on the Development Status and Problems of Internet Insurance in China[Abstract]Since the reform and opening up, with the advent of the information age and the improvement of Internet technology, Internet insurance has rapidly developed in China with its unique timeliness, interactivity, economy and flexibility. Internet insurance has many characteristics that traditional insurance does not have. It not only combines the characteristics of the Internet, but also can better play the essential functions of traditional insurance. Its emergence can fundamentally change the operation mode and service mode of traditional insurance. The characteristics of the Internet provide better services to customers, but also bring huge challenges to the traditional insurance industry. There are still many problems in China's Internet insura...
