中文题目：我国互联网保险发展的现状及前景分析英文题目：OurcountrypresentsituationandprospectsofdevelopmentofInternetinsuranceanalysis摘要互联网保险业是在互联网金融兴起的背景下发展起来的,虽然只是金融的一种新形式,但已经成为了网络金融的重要组成部分。虽然保险行业与互联网接触的时间比较短，但已然呈现出了一股生机勃勃的景象，尤其是在最近几年，发展可谓一天一个新面目。根据中国保险行业协会公布的数据显示，在2017年上半年，互联网保险保费收入为1248亿元，预计全年保费收入可达到2497亿元，与2012年相比，互联网保险保费收入增长了将近20倍。我国互联网保险虽然发展速度很快，但由于发展时间短、相应的政策少等各方面的原因，难免会存在各种各样的问题，如产品设计不合理、道德风险突出、信息安全风险大、人才短缺、监管不足等，这些问题会对互联网保险的发展起到阻碍作用。本文在参考了其他专家的观点后，进行了深刻研究，提出了相应的对策建议，对于互联网保险这一朝阳行业的发展具有较强的指导意义。本文首先对互联网保险的概念进行了定义,总结了互联网保险的主要特点,然后分析了我国互联网保险的各个发展阶段,并概括了我国互联网保险的发展现状,归纳出了我国互联网保险面临的主要问题,并给出了推动我国互联网保险发展相关的对策建议,最后进行总结与展望。关键词：互联网保险；信息安全；产品差异化AbstractTheInternetinsuranceindustryhasdevelopedunderthebackgroundoftheemergenceofInternetfinance.Althoughitisanewformoffinance,ithasbecomeanimportantpartofnetworkfinance.AlthoughtheinsuranceindustryhasarelativelyshorttimewiththeInternet,ithasalreadyshownavibrantscene,especiallyinrecentyears.Accordingtorelevantdatashowthatinthefirsthalfof2017,theinsurancepremiumincomeis124.8billionyuan,isexpectedtoreach249.7billionyuanannualpremiumincome,comparedwith2012,whentheinsurancepremiumincomehasincreasedbynearly20times.InsuranceintherapiddevelopmentofInternetinourcountryatthesametime,duetotheshortdevelopmenttime,thecorrespondingpolicyandsoonvariousaspectsreason,lessinevitablyexistallsortsofproblems,suchasproductdesignisnotreasonable,theriskofmoralhazard,informationsecurityrisk,talentshortage,insufficientregulation,etc.,theseproblemswillhindertheeffectonthedevelopmentofInternetinsurance.Afterreferringtotheopinionsofotherexperts,thispapermakesaprofoundstudyandputsforwardcorrespondingcountermeasuresandSuggestions,whichhasstrongguidingsignificanceforthedevelopmentofInternetinsuranceindustry.ThisarticlefirsthascarriedonthedefinitiontotheconceptofInternetinsurance,summarizesthemaincharacteristicsoftheInternetinsurance,thenanalyzesthevariousstagesofdevelopmentofInternetinsuranceinChina,andsummarizesthecurrentsituationofthedevelopmentofInternetinsuranceinourcountry,summedupthemajorproblemsofInternetinsuranceinourcountry,andgivesthecountermeasuresandSuggestionstoacceleratethedevelopmentofInternetinourcountryinsurancerelated,thefinalsummaryandprospect.Keywords：Internetinsurance;Informationsecurity;Productdifferentiation目录............................................................1................................................1................................................1..........................................3................................................3........................................4..............................................4..........................................4..........................................5......................................5......................................6......................................7......................
