互联网保险发展研究摘要随着时代的发展，保险行业也经历着天翻地覆的变化，新兴技术的兴起对保险行业的影响是十分巨大的，尤其是互联网的发展普及，对保险行业的影响是显而易见的。而电子商务的发展又将商业活动变得更加的便捷，也不断催生出新的保险需求。互联网改变了传统行业面貌，是因为随着互联网的普及，人们的消费习惯和行为模式被不知不觉中改变了，商业模式的变革就是为了适应人们消费模式的改变而发生的，就这样，互联网保险应运而生了。然而我国国情决定了，我国互联网保险的发展注定是缓慢而相对滞后的，这与多方面因素有关，如保险行业的特点等。在这种背景下，为了了解互联网保险业的发展规律就要认真分析这些特点。消费者的行为如何能够影响互联网保险的发展，消费者的行为模式是通过怎样的途径来改变的。接着将分析市场中发展的比较成熟的互联网保险模式，发现互联网保险发展过程存在的问题，从而提出解决办法。关键词：互联网保险网络营销保险模式ResearchonthedevelopmentofInternetinsuranceAbstractWiththedevelopmentofthetimes,theinsuranceindustryhasexperiencedtheearthshakingchange,emergingtechnologyimpactontheinsuranceindustryisverygreat,especiallythedevelopmentoftheInternetpopularization,theimpactontheinsuranceindustryisobviously.Andthedevelopmentofelectroniccommerceandbusinessactivitieswillbecomemoreconvenient,alsocontinuetocreatenewdemandforinsurance.TheInternethaschangedthetraditionalindustryappearance,becausewiththepopularizationofInternet,people'sconsumptionhabitsandbehaviorpatternsareimperceptiblychanged,thebusinessmodelchangeisinordertomeetthepeople'sconsumptionpatternschange,so,Internetinsurancearisesatthehistoricmoment.Howeverourcountrynationalconditiondecided,destinedtothedevelopmentofChina'sInternetinsuranceisslowandlagsbehindrelatively,thisisrelatedtomanyfactors,suchasthecharacteristicsoftheinsuranceindustry,insuranceregulation,insurancecompany'sinnovationabilityetc..AndwhetherthelargeareapopularizationofInternet,inthiscontext,thedevelopmenttrendthatisInternetinsurancemustanalysisishowtobeinfluencedbytheconsumerbehaviorofInternetinsurancedemand,andthemodelofconsumerbehaviorischanginghowetc..ThenwillhavetogenerateanddevelopmentbusinessmodelsmatureInternetinsuranceasanexampletoanalyze,understandthedevelopmenttrendofInternetinsurance,andthenputsforwardthecountermeasurestosolveexistingproblemsinthedevelopmentofInternetinsurance.Keywords:Internetinsurance;internetmarketing；insurancemodel目录1.绪论..........................................................................................................................11.1选题背景..............................................................................................................11.2研究意义..............................................................................................................11.3国内外研究现状..................................................................................................21.3.1国外研究现状...................................................................................................21.3.2国内研究现状...................................................................................................22.互联网保险内涵....................................................................................................32.1互联网保险定义..................................................................................................32.2互联网保险特点...........................................................................
