我国发展互联网保险的对策研究

发布时间：2018-03-05 07:22

本文选题：互联网保险　切入点：保险模式　出处：《安徽大学》2017年硕士论文　论文类型：学位论文

【摘要】：互联网作为改变世界的一项发明,以其独特的塑造力改变着各行各业,改变着我们生活的方方面面,互联网与金融的结合显示出了强大的生命力和光辉的发展前景,近年来,"互联网+金融"不断兴起,第三方支付、众筹、P2P借贷、虚拟货币等新鲜的概念层出不穷,互联网在改变着传统金融业的同时,也丰富着大众的金融生活。保险业作为金融业最后一个接触互联网的板块,虽然发展时间短,但已经展现出旺盛的生命力。同时预测2020年我国互联网保费将达到10000亿元的规模,占整个保费收入的45%,互联网保险在快速发展的同时,由于其是新型模式,与欧美发达国家相比,我国互联网保险还处于发展初期,不可避免的存在各种问题。本文试图从互联网保险的概念出发,阐述互联网保险内涵的迁移,然后对我国互联网保险发展历程进行总结,通过对历程的总结,把我国的互联网保险模式进行分类,分析我国互联网保险面临的风险与监管问题,进而提出对策建议。根据以上思路,本文主要由以下几个部分组成:第一章:导论。主要从写作论文的研究目的、研究意义、国内外研究现状、研究方法和创新点。第二章:直联网保险的内涵和优势。主要从互联网保险定义不断丰富为出发点,阐述我国互联网保险的发展历程,分析互联网保险各个发展阶段的情况。然后分析互联网保险未来的发展趋势,并阐述了互联网保险的优势。第三章:我国发展互联网保险的模式选择。本章主要从我国目前互联网保险的五种发展模式为出发点,分析各个模式的特点、优势及存在的问题。然后对五种发展模式进行总结,并分析各种模式的改革方向。第四章:我国发展互联网保险的风险与监管。本章主要从我国互联网在发展过程中面临的保险欺诈风险、信息安全风险、新型法律纠纷风险等方面分析我国在互联网保险发展中面临的诸多风险。同时对我国当前的监管政策进行阐述,并分析其存在的不足。为第五章面对各种风险提出对策建议做好铺垫。第五章:进一步促进我国互联网保险发展的对策建议。本章主要从完善我国的征信制度、加强金融业的混业监管等为出发点,为我国互联网保险的持续健康发展建言献策。第六章:总结与展望。本章主要对全文的内容进行总结,并对未来互联网保险的发展进行展望。
[Abstract]:As an invention to change the world, the Internet, with its unique shaping power, has changed all kinds of industries and all aspects of our lives. The combination of the Internet and finance has shown a strong vitality and brilliant development prospects. In recent years, "Internet finance" continues to rise, third-party payment, crowdfunding P2P lending, virtual currency and other new concepts emerge in endlessly, the Internet is changing the traditional financial industry at the same time, It also enriches the financial life of the masses. The insurance industry, as the last sector of the financial industry to have access to the Internet, although it has a short time to develop, has shown great vitality. Meanwhile, it is predicted that in 2020, the insurance premium of China's Internet will reach 1 trillion yuan. While the Internet insurance is developing rapidly, because it is a new model, compared with the developed countries in Europe and the United States, China's Internet insurance is still in the early stage of development. This paper attempts to expound the transfer of the connotation of Internet insurance from the concept of Internet insurance, and then summarize the development of China's Internet insurance, through the summary of the process, This paper classifies the mode of Internet insurance in China, analyzes the risks and supervision problems faced by China's Internet insurance, and puts forward some countermeasures and suggestions. This paper is composed of the following parts: chapter 1: introduction. Mainly from the writing of the purpose of the research, research significance, domestic and foreign research status, Chapter 2: the connotation and advantage of direct network insurance. From the point of view of the continuous enrichment of the definition of Internet insurance, this paper expounds the development course of China's Internet insurance. Analyze the situation of Internet insurance at each stage of development. Then analyze the future development trend of Internet insurance. Chapter three: the choice of the mode of developing Internet insurance in China. This chapter mainly analyzes the characteristics of each mode from the five development modes of Internet insurance in our country. Advantages and existing problems. Then the five development models are summarized. And analyze the reform direction of various modes. Chapter 4th: the risk and supervision of developing Internet insurance in China. This chapter mainly analyzes the risks of insurance fraud and information security faced by China's Internet in the process of development. This paper analyzes the risks faced by China in the development of Internet insurance from the aspects of the risks of new types of legal disputes. At the same time, it expounds the current regulatory policies of our country. Chapter 5th: countermeasures and suggestions to further promote the development of Internet insurance in China. This chapter mainly from the improvement of China's credit system, Strengthen the mixed supervision of the financial industry as the starting point, for the sustainable and healthy development of China's Internet insurance advice. 6th chapter: summary and prospects. This chapter summarizes the content of the full text, And carries on the prospect to the future Internet insurance development.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F842

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