摘要
通过分析我国互联网保险的特点和发展现状,发现快速变化的市场环境引致的社会日益增长的保险需求同相对落后的保险经营管理方式之间的矛盾日益突出,造成当前保险业增长乏力.互联网保险的出现弥补了传统保险的不足,成为保险业新的增长动力.本文运用分层回归分析方法,对我国2003-2013年网销保费及相关数据进行研究,验证了我国互联网保险驱动因素主要取决于税收、人口、互联网等方面,保险业自身因素对互联网保险影响不显著.研究发现,互联网保险的发展不是对传统保险的替代和竞争,而是保险新需求的发现,互联网保险满足多层次的保险需求.提出互联网保险是当前保险业发展的一种全新业态,其发展促进保险业思维和理念的变革.互联网新技术推动保险业发展,在保险渠道、产品、服务创新等方面产生巨大的推动力.
By analyzing the features and status quo of China＇s internet insurance development, this paper found that the main reason causing the weak growth in the insurance industry is the conflict between people＇s increasing needs for insurance and the relatively backward insurance management approaches. Internet insurance is a supplement to traditional insurance to a certain degree. By using the hierarchical regression method, this paper analyzes the insurance premium and its relative data from 2003 to 2013. The result shows that the driving factors of the internet insurance are： tax, population, internet, etc. The study also indicates that internet insurance is not a replacement or a threat to the traditional insurance business, but a new form of it instead. Internet insurance can satisfy people＇s various needs for insurance. Finally, the author proposes that internet insurance, as a new insurance business, its development facilitates changes in the thoughts and ideas of the insurance industry as a whole. Internet technology has pushed it forward, especially, in such areas as insurance channels, product and service innovations. Therefore, internet insurance also injects fresh blood to China＇s insurance industry.
出处
《深圳职业技术学院学报》
CAS
2015年第5期34-41,共8页
Journal of Shenzhen Polytechnic
基金
广东省哲学社会科学共建项目(GD13XGL023)
深圳市社科基金资助项目(125B095)
关键词
互联网保险
驱动因素
多元回归分析
创新
intemet insurance
driving forces
multiple regression analysis
innovation
