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摘要随着国民经济的不断发展,网络体系的不断成熟,网络保险也在网络经济不断发展之下迅速发展。网络保险既可以拓展销售渠道,也能够节约成本,降低经营所需要的支出。也能够利于客户通过网络这个渠道更加方便、快捷地购买适合自己的保险产品。因此,在众多的优势之下,网络保险必然是我国保险业的下一个发展目标,开发网络市场,吸收网上客户,建立完善的网络保险网站,成了保险公司面临的新目标。我国网络保险在近20年里经历了兴起、发展以及不断成熟的过程。从宏观角度看，这一过程主要可归纳为四个时期，主要形式包括保险公司网站、第三方保险超市网站、搭载与合作等。互联网金融的发展为我国互联网保险市场带来了新机遇，但必须认识到基于当前的发展条件和现状，现阶段我国互联网保险市场仍面临着巨大的挑战。只有清醒地认识到这些问题，并发挥行业的主观能动性解决这些问题，才能确保我国网络保险市场充分适应时代的需要，在新的历史时期健康、全面地发展。45700
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毕业论文关键词:网络保险； 信息技术； 发展模式
Abstract
With the continuous growth of national economy, the development of Internet economy, Internet insurance also under the tide of the development of network economy developed rapidly. Network insurance can not only broaden the sales channels, but also can save cost, reduce operating costs involved. Can help customers through a network of this channel is more and more convenient to choose their own insurance products. Therefore, under so many advantages, the next target network is the inevitable development of insurance industry in our country. To develop network market, attract online customers, establish the network insurance to improve web site, has become the new challenges faced by insurance companies. Internet insurance in developed countries are B2C, B2B two models. B2C can be pided into the insurance company website, the third party insurance supermarket website and Internet financial supermarket in three forms; the B2B mode can be pided into the Internet market risk and risk of two types of Internet auction. China's Internet insurance has experienced the rise, development and maturing process in recent 20 years. From a macro point of view, this process can be categorized into four periods, the main mode of insurance company website and third party insurance supermarket site, carrying and cooperation. Development of Internet finance has brought new opportunities for the Internet insurance market in our country, but must be aware of the current situation of the development conditions and based on the Internet. the insurance market of our country at the present stage is still facing great challenges. Only clearly aware of these problems, and play the role of industry initiative to solve these difficulties, to ensure that the Internet insurance market in China to fully meet the needs of the times, the development in the new historical period, overall health
Key Words： Internet insurance； information technology； prospects for development
目 录
摘 要 I
Abstract II
一、我国网络保险发展现状及存在的主要问题 1
（一）我国网络保险的发展背景 1
（二）我国网络保险的发展现状 1
（三）我国网络保险发展模式面临的主要问题 3
二、国外网络保险发展的经验借鉴 4
（一）国外网络保险的发展历程及特点 4
（二）国外网络保险发展的营销模式 5
（三）国外发达国家网络保险发展模式的特点 5
（四）经验总结 6
三、网络保险发展模式的SWOT分析 6