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电子商务的发展必将改变保险市场的格局,包括对客户群、对销售产能、对理赔控制、对产业布局都将有积极深刻的影响。同时,网上保险一样具有双面性,如果没有适度的监管,会造成保险公司、保险从业人员、消费者三方利益受损。因而必须提前介入,做好相应法规制度的完善。本文提出了若干政策建议,为推动电子商务在中国保险行业提供了一些思路。
The development of e-commerce will surely change the pattern of the insurance market, including the customer base, the sales capacity, the control of claims and the layout of the industry will have a positive and profound impact. At the same time, online insurance has the same duality. Without proper supervision, insurance interests, insurance practitioners and consumers will suffer from tri-party interests. Therefore, we must intervene in advance to improve the corresponding laws and regulations. This paper presents a number of policy recommendations, to promote e-commerce in China’s insurance industry provides some ideas.