我国移动互联网保险产业发展的创新图式与机制跟进

发布时间：2018-02-22 23:36

  本文关键词： 互联网保险 社交网络 独立代理人 产业创新图式 数据挖掘技术　出处：《华侨大学学报(哲学社会科学版)》2017年02期 　论文类型：期刊论文

【摘要】：“移动互联网+保险”的商业模式已然成为引领保险产业新的行业发展方向标。从内驱力角度,推助移动互联网保险业务拓展的,不仅来自于保险产业的产品创新,更取决于移动互联网的技术革新。然而,发展移动互联网保险,国内尚存在线核保等或技术的或制度的难题。为此,要实现保险产品创新与研发过程创新、移动互联网保险营销模式创新、保险客户服务创新以及移动互联网保险费率厘定创新等移动互联网保险产业创新格局,应提高海量数据挖掘能力、加快智能终端推广,培育移动保险独立代理人,加强移动互联网保险风险管控,合理布局保险产品移动互联网入口,不断完善移动互联网保险创新的措施配套与机制,最终打造我国移动互联网保险创新图式及产业发展生态圈。
[Abstract]:The business model of "Mobile Internet Insurance" has become the new direction of development of the insurance industry. From the perspective of internal drive, it is not only from the product innovation of the insurance industry that promotes the expansion of mobile Internet insurance business, but also from the product innovation of the insurance industry. It depends more on the technological innovation of the mobile Internet. However, in the development of mobile Internet insurance, there is still a problem of line insurance or technical or institutional problems in China. Therefore, the innovation of insurance products and the innovation of R & D process should be realized. The innovation pattern of mobile Internet insurance industry, such as the innovation of mobile Internet insurance marketing mode, the innovation of insurance customer service and the innovation of mobile Internet insurance rate determination, should improve the capacity of massive data mining and accelerate the promotion of intelligent terminals. To cultivate independent agents of mobile insurance, strengthen the risk control of mobile Internet insurance, rationally distribute the mobile Internet entry of insurance products, and continuously improve the supporting measures and mechanisms for the innovation of mobile Internet insurance, Finally, build the innovation schema of mobile internet insurance and the ecological circle of industry development.
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本文编号：1525592