Internet Insurance
Development Network, the need for insurance in China
China's network of insurance status and causes of
Development Strategy of China's network security
China's online insurance platform
Online Insurance Process
Online Insurance Development Strategy

Online Insurance
Online Insurance: is the new type of online insurance companies or insurance intermediary institutions to the Internet and e-commerce technology as a tool to support the insurance, the economic behavior of operational and management activities.
Insurance as a special commodity, and the general sense of physical and chemical goods have a significant difference:
① insurance is a promise, part of Connaught into the nature of the contract, is also a standard contract. The performance of commodities in the form of insurance contracts.
② insurance is an intangible product.
③ insurance is a service commodity. [Edit this paragraph] the need for China's Development Network Insurance
(A) the development of the network insurance is following the world trend of development of the needs of the insurance industry
With the advent of the information society, e-commerce in the United States, Western Europe and other developed countries and regional development with great speed. According to statistics, the United States online insurance as early as in 1997, up 390 million U.S. dollars, while in 2001, about 11 billion dollars in insurance premiums to obtain insurance through the network. In 2005, the United Kingdom about 20% of the insurance will be sold on the Internet. Japan has emerged the first entirely through the Internet to sell insurance business insurance company. As the world's largest insurance and asset management group AXA Group, one of France as early as in 1996 tried an online direct sales. At present, this group about 8% of new single-business is done via the Internet. Can be said that insurance is its comprehensive network of information and easy purchase method and the fast pace to become insurance sales development. China's failure to comply with the insurance industry in the world this development trend in the network insurance is bound to face a strong challenge to foreign insurance companies.
(B) the development of the network is to improve the market share of the insurance needs of
Join the WTO, foreign insurance companies is bound to occupy China's insurance market, resulting in the loss of China's insurance market share decline. In order to avoid excessive crowding of foreign insurance companies in China's insurance market, China's insurance companies should immediately conduct a strategic investment and system investment, the implementation of an interactive customer insurance service, the effective use of e-commerce between enterprises, developing a variety of additional services, expand distribution channels via the Internet to establish brand image, taking care to ensure site safety and protection of customer information and data, make preparations to compete with foreign insurance companies.
(C) the development of the network is to improve the insurance needs of China's insurance marketing system
Over the years, China has been an insurance agent as an insurance marketing system, the main focus of development, has formed a marketing life insurance to life insurance salesmen as the main body of the life insurance marketing system. Practice has proved that such a marketing mechanism to promote the development of China's insurance industry has played a very important role. But there are also more prominent problem. Due to lack of direct communication with the insurance company will lead to sales staff to access policy and stubbornly eager to exaggerate the benefits of insurance, to conceal the inadequacies to the insurance company a tremendous moral hazard for the insurance industry's long-term development lay hidden . Moreover, the insurance marketing personnel quality varies greatly, and gave insurance companies a tremendous business risks. In addition, the existing marketing system there are still drawbacks of low efficiency. According to the survey, in order to organize a multiplicity of customer information, insurance salesman often hire private secretary, but even so, is often unable to attend the local, affecting the credibility of the insurance company. Development Network, the insurance, you can be fast and convenient transmission of information and attentive customer service, provide the public with low-cost, highly efficient channel for the insurance to buy to make up for the shortcomings of the existing sales channels.
(D) development of the network security is to improve the insurance enterprise management level and operational efficiency needs of
Advanced enterprise management methods and tools for the insurance industry, sustained, rapid and high-quality development of a "magic weapon." With the development of networks and modern information technology, enterprise management, the insurance is bound to have far-reaching impact. First of all, the use of information technology networks, resulting in the insurance business management spans increase, the grass-roots contact with decision-making more closely, and gradually weakened the role of middle management, decision-making chain of command as short as possible will help to overcome the level of duplication, redundancy and more running slow and inefficient decision-making defects. Second, internal documents, electronic data processing, so that files are sent, stored queries faster and more efficient. Third, using the Internet to facilitate rapid and comprehensive collection of various kinds of information, the use of long-range communications technology and regional personnel to maintain contact, joint analysis, forecasting, decision-making and control. Fourth, using the Internet, insurance companies can train their staff, publishing internal information, and insurance intermediaries, business partners, insurance regulatory agencies, and many other aspects of liaison save a lot of cost and time. Fifth, in solvency, the state through modern networking technology to strengthen the effective supervision of insurance companies, insurance companies are able to maintain its own solvency management. Therefore, the development of the network, insurance, insurance, marketing can be achieved not only innovative, but also an important guarantee for realization of management innovation. [Edit this paragraph] the status quo of China's network security and causes of