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随着信息技术的发展和网民人数的不断增长,人们的网络消费习惯逐渐养成,互联网保险成为保险行业发展的必然趋势。互联网保险(Internet insurance)有效减少了信息不对称情况,促进了保险行业的发展与进步。笔者将从互联网保险发展基本现状出发,再分析互联网保险发展中存在的基本问题,最后提出我国互联网保险发展的商业模式选择策略。
With the development of information technology and the increasing number of netizens, people’s online consumption habits gradually develop. Internet insurance has become an inevitable trend in the insurance industry. Internet insurance effectively reduces information asymmetry and promotes the development and progress of the insurance industry. The author will start from the basic status quo of Internet insurance development, then analyze the basic problems in the development of Internet insurance, and finally put forward the strategy of business model selection for the development of internet insurance in China.