互联网汽车保险的发展趋势分析.docVIP

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互联网汽车保险的发展趋势分析

摘要：这些年，随着互联网技术不断的发展，“互联网+”战略也随之出现，为传统的保险行业转型提供了巨大的动力，为保险业的变革带来了契机。这会从根本上改变保险业的营销模式和市场格局，促进我国保险业的迅速发展。

本文先分析国内互联网车险的发展历程以及现状，找到互联网车险中存在的问题。如：车主隐私保护问题、销售信息不对称，以及大数据系统的利用率较低导致理赔服务速度慢的问题。对于互联网保险企业来说存在前期成本投入高和缺乏清晰的商业模式的问题，以及政策及监管环境制约问题。基于以上问题提出几点建议:强化客户信息保护机制，利用大数据系统提升车主服务体验、提高用户接受度，搭建先进的技术系统，建立清晰共赢的商业模式。政府能适当放宽监管力度、完善监管政策，与时俱进学习国外的优秀治理经验。最后展望我国互联网汽车保险的未来发展趋势。

关键词：互联网，汽车保险，大数据，车险理赔

AnalysisonTrendofDevelopmentofInternetAutoInsurance

Abstract:ThankstorecentdeveloppomentoftheInternet,the“?Internet?Plus”strategyhasemergedasapowerfulforcethatpushesthetraditionalinsuranceindustryforwaedtoitstransformation?andreforms,bringing?brand?new?opportunitiesfor?thefuture?of?insurance?industry.This?has?reconstructedthebehavior

pattern?and?market?situation?of?insurance?industry,??promoting?the?growth?of?domestic?internet?insurance?at?great?speed.

With?the?analysis?towards?the?history?and?current?stateof?Auto?Insurance?with?theInternetwhich

?concludes?into?few?problems?yet?to?be?resolved.For?example,?the?privacy?protectionissue,sales

informationasymmetry?issue?and?the?untimely?proccessesofclaims?servicedue?toimproperuseofmassivedata?processing.?There?are?few?moreissues?to?be?discussed?for?internetinsurance?companies,suchas?high?early?investment?cost,?unclearbussiness?pattern?and?restictionsof?policies?and?supervisionregulations.?Few?suggestions?areoffered?in?the?hope?to?promote?competenceand?advantagesof?eachautoinsurance?products?of?those?Internet?insurance?companies.For?example,?enhancinginformationdisclosureandprotectionmechanism,?promoting?service?qualityand?user?acceptance?byexploitingmassivedata?processing,?constructingadvanced?technical?system,establishing?a?clearandwin-winbusinesspattern.Hopestowardsgovernmentsettingloosethesupervisionregulations,perfectingsupervisionpoliciesandlearningfromforeignexperiencearealsosuggested.

Keywords：Internet,?Auto?Insurance,