从“乐视进军保险业”谈我国保险生态圈建设

发布时间：2018-10-20 15:18

【摘要】：近年来,保险行业成为众多上市公司投资的新选择。上市公司纷纷投资或入股主要是看中保险业的低融资成本和较高的保险红利。在不断有上市公司以不同形式加入保险行业的背景下,保险生态圈面临新的挑战与机遇,如何趋利避害成为亟待解决的问题。要想建立良性的“保险生态”系统,一方面需要数量众多、形式种类齐全、综合实力强大的“内层”保险活动主体,另一方面还需要健康完善的“外层”生态环境,“内外层”之间需要互相补充,互相促进,和谐发展。在大数据,“互联网+”的新形势下,保险生态圈呈现出新的特征及问题。依托大数据,保险公司实现了精准营销,实现了以客户为中心的精准定价,促进了保险产品的创新。在“互联网+”保险领域,险企与互联网以各种方式融合,协同发展,主要的融合方式有互联网企业联合设立保险公司,传统险企通过设立网站,APP等布局互联网,以及新设互联网保险公司。随着互联网保险保费收入的迅速增长,我们可以看到大数据与互联网技术给保险业增添了活力,吸引了更多的资本入资,提高了整个行业的社会影响力。本文分为五个部分,第一部分介绍了文章研究背景及意义;第二部分和第三部分对“乐视进军保险业”的案例进行了介绍,并依此为出发点探讨各界资本进军保险生态圈的现状,分析各行业注资为保险行业的发展带来的正面与负面的影响。文章在第三部分重点分析了大数据与互联网背景下保险业的发展状况,探究了在这种背景下资本涌入的特征,以及保险行业出现的一系列新风险和监管问题,如中小保险公司能否持续盈利,地方性险企的发展与监管,互联网保险的监管等。文章在最后一部分针对以上问题提出了几点建议,包括调整保险公司市场价值定位,加强多层次保险市场体系建设,严格准入制度等监管政策,提高监管效率等。
[Abstract]:In recent years, the insurance industry has become a new choice for many listed companies to invest. Listed companies invest or buy shares mainly because of the low financing cost and higher insurance dividend of the insurance industry. Under the background of the listed companies joining the insurance industry in different forms, the insurance ecosystem faces new challenges and opportunities, and how to seek advantages and avoid harm has become an urgent problem to be solved. In order to establish a benign "insurance ecology" system, on the one hand, we need a large number of "inner layer" insurance activities with complete forms and comprehensive strength; on the other hand, we also need a healthy and perfect "outer layer" ecological environment. The inner and outer layers need to complement each other, promote each other, and develop harmoniously. Under the new situation of big data, Internet, the insurance ecosystem presents new features and problems. Relying on big data, insurance companies achieve precision marketing, customer-centered precision pricing, and promote innovation of insurance products. In the field of "Internet" insurance, insurance companies and the Internet merge and develop in various ways. The main ways of convergence include the joint establishment of insurance companies by Internet enterprises, and the traditional insurance companies by setting up websites, APP and other layout of the Internet. And a new Internet insurance company. With the rapid growth of Internet insurance premium income, we can see that big data and Internet technology have added vitality to the insurance industry, attracted more capital investment, and enhanced the social influence of the whole industry. This paper is divided into five parts, the first part introduces the background and significance of the article, the second and third parts introduce the case of Letv entering the insurance industry. Based on this, the paper discusses the current situation of capital entering into the insurance ecosystem, and analyzes the positive and negative effects of capital injection on the development of insurance industry. In the third part, the author analyzes the development of insurance industry under the background of big data and Internet, explores the characteristics of capital influx in this context, and a series of new risks and regulatory problems in the insurance industry. Such as whether small and medium-sized insurance companies can continue to profit, the development and supervision of local insurance enterprises, Internet insurance supervision and so on. In the last part, some suggestions are put forward, including adjusting the market value orientation of insurance companies, strengthening the construction of multi-level insurance market system, strict admission system and other regulatory policies, and improving the efficiency of supervision and so on.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842

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