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随着网络经济的不断拓展,电子商务活动在世界各国兴起。目前电子商务已经延伸到了社会各个领域,在经济发展与社会保障体系不断完善的背景下,保险业作为社会生活的中坚力量也逐渐在新领域与新技术方面不断创新。电子商务在保险业中的应用降低了成本,增加了保险机会,提高了赔付效率。全球经济环境的变化使我国的保险行业面临着大量的机会和巨大的挑战。本文阐述了现阶段其电子商务的发展现状与制约,并为我国的保险行业的电子商务提供了发展建议。
With the continuous expansion of the network economy, e-commerce activities in all countries in the world rise. At present, e-commerce has been extended to all sectors of society. Under the background of continuous economic development and social security system, the insurance industry, as the backbone of social life, is gradually innovating in new fields and new technologies. The application of e-commerce in the insurance industry reduces the cost, increases the insurance chance and increases the efficiency of the payment. The changes in the global economic environment have exposed a large number of opportunities and enormous challenges to the insurance industry in our country. This article elaborates the current situation and restriction of its e-commerce development and provides some suggestions for the development of e-commerce in China’s insurance industry.