我国互联网保险发展现状、问题及对策研究ResearchontheDevelopmentStatus,ProblemsandCountermeasuresofInternetInsuranceinChina摘要随着互联网技术的快速发展，保险行业也在加速与互联网的融合，由此产生了互联网保险。互联网保险和传统的保险营销模式不同，主要以互联网作为媒介的保险影响模式，服务更加快速便捷，同时处理理赔更加方便，提高了保险的营销效率，降低了保险的成本，从而有效提高了保险公司的盈利能力。近年来，互联网保险行业的相关政策逐步完善，互联网保险的规模不断增加，尤其是其中的场景化保险产品发展尤为突出，行业整体呈现群雄逐鹿的局面。但是，我国互联网保险行业在快速发展中依然呈现出信息安全缺乏保障、互联网保险产品结构过于单一、网上销售流程不成熟服务功能不完善、相关法律法规不健全和消费群众认可度不高等问题。因此，应该不断加强互联网技术安全研究，不断对互联网保险产品进行创新，完善网上销售流程，改进保险公司服务，加快网络保险立法步伐，加大互联网保险宣传力度。关键词：互联网保险；营销模式；保险费用ResearchontheDevelopmentStatus,ProblemsandCountermeasuresofInternetInsuranceinChinaAbstractWiththerapiddevelopmentofInternettechnology,theinsuranceindustryisalsoacceleratingtheintegrationwiththeInternet,resultinginInternetinsurance.Internetinsuranceisdifferentfromthetraditionalinsurancemarketingmode.TheinsuranceinfluencemodemainlytakestheInternetasthemedia,whichmakestheservicefasterandmoreconvenient.Atthesametime,itismoreconvenienttodealwithclaims,improvesthemarketingefficiencyofinsurance,reducesthecostofinsurance,andeffectivelyimprovestheprofitabilityofinsurancecompanies.Inrecentyears,therelevantpoliciesoftheInternetinsuranceindustryhavebeengraduallyimproved,andthescaleofInternetinsurancehasbeenincreasing.Inparticular,thedevelopmentofscenarioinsuranceproductsisparticularlyprominent,andtheindustryasawholeshowsasituationofcompetition.However,intherapiddevelopmentofChina'sInternetinsuranceindustry,therearestillsomeproblems,suchaslackofguaranteeofinformationsecurity,toosinglestructureofInternetinsuranceproducts,immatureonlinesalesprocess,imperfectservicefunction,imperfectrelevantlawsandregulationsandlowrecognitionofconsumers.Therefore,weshouldcontinuetostrengthentheresearchonInternettechnologysecurity,innovateInternetinsuranceproducts,improvetheonlinesalesprocess,improvetheservicesofinsurancecompanies,speedupthepaceofInternetinsurancelegislationandstrengthenthepublicityofInternetinsurance.KeyWords：InternetInsurance;MarketingMode;Insurancepremium目录摘要.....................................................................................................................................IAbstract..................................................................................................................................II一、引言................................................................................................................................1（一）研究背景.............................................................................................................1（二）研究意义.............................................................................................................1（三）研究思路与研究内容.........................................................................................2（四）研究方法与创新点.............................................................................................2二、理论基础与文献综述............................................................
