中国人寿保险集团公司互联网保险发展研究

发布时间：2018-06-27 23:15

本文选题：互联网保险 + 业务流程　；参考：《首都经济贸易大学》2017年硕士论文

【摘要】：21世纪伴随着互联网消费环境日趋成熟,互联网金融风生水起,其中互联网保险以其预期的广阔前景,成为行业内外聚焦的热点。在国家政策支持下,面对未来成长空间巨大的保险市场,保险公司、保险经纪公司以及IT技术公司纷纷试水互联网保险,2014年、2015年互联网保费收入更是实现了260%的增长。行业内热闹非凡,但在互联网保险业务实际经营中,却陆续出现了诸多问题:产品单一无法满足客户的全部需求;保险公司无标准化业务流程,导致发展受阻;互联网带来更多有别于传统业务的经营风险以及系统安全问题等等。本文以传统保险公司中国人寿集团公司为例,通过查阅文献,对比同行业其他公司互联网保险业务经营情况,结合日常工作实际操作,提出通过提高公司内部对互联网保险业务的重视程度,实现内部业务架构调整,优化互联网业务处理流程,提高风险防范意识,重视数据分析等多角度改进策略,希望研究结果对互联网保险未来发展和经营有所帮助。
[Abstract]:In the 21st century, with the growing maturity of the Internet consumption environment, Internet finance is booming, and Internet insurance has become a hot spot in the industry because of its broad prospect. With the support of national policies, insurance companies, insurance brokers and IT technology companies are experimenting with Internet insurance in the face of an insurance market with huge potential for growth in the future. In 2014 and 2015, Internet premium income increased by 260 percent. Although there is a great deal of noise in the industry, many problems have appeared in the actual operation of the Internet insurance business: the single product can not meet all the customers' needs, the insurance company has no standardized business process, and the development of the insurance company is hindered. Internet brings more business risks and system security problems that are different from traditional business. Taking the traditional insurance company China Life Group as an example, this paper compares the operation of Internet insurance business of other companies in the same industry with the actual operation of daily work by consulting the literature. This paper puts forward the strategies of improving the internal business structure, optimizing the processing process of Internet business, raising the awareness of risk prevention, paying attention to data analysis and so on, by increasing the degree of attention to Internet insurance business within the company, realizing the adjustment of internal business structure, and improving the processing process of Internet business. Hope the research result is helpful to the future development and management of Internet insurance.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F842.6

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