摘要
我国互联网保险已经步入了全面发展阶段,互联网保险产品上的创新对满足公众需求、降低市场准入门槛以及更新行业发展理念具有重要意义。当前互联网保险市场上的创新产品层出不穷,但却良莠不齐,部分产品出现创新不足、营销炒作和涉嫌违法等问题。保险公司在进行互联网保险产品的开发创新过程中,有必要借鉴互联网保险产品的成败案例,明晰互联网保险产品创新的理念,开发出切合客户保险需求的创新型产品。此外,监管部门应当进行适应性监管,寻求监管规范和鼓励创新之间的平衡。
China＇s Internet insurance has entered an all-round development stage.The innovation in Internet insurance products is of great significance to meeting the public＇s needs,lowering the market access threshold and updating the concept of industry development.There are many innovative products in the Internet insurance market today,but they are very mixed.Some of them have problems of lack of innovation,marketing hype,and suspected illegal activities.In the process of developing and innovating Internet insurance products,it is necessary for insurance companies to draw lessons from the success or failure of Internet insurance products,clarify the concept of Internet insurance product innovation,and then develop innovative products that meet customer insurance needs.In addition,regulators should undertake adaptive regulation to seek the balance between regulating standards and encouraging innovation.
出处
《保险职业学院学报》
2018年第3期80-87,共8页
Journal of Insurance Professional College
基金
2016年度广东省大学生校外实践教学基地建设项目:粤东金融服务人才培养实践基地(项目编号:3803016503)
关键词
互联网保险
产品创新
理念
监管
Internet insurance
Product innovation
Concept
Supervision and regulation
