杨锐琦定稿.doc

III摘要保险起源于海上借贷在婴儿期的互助的形式通过社会经济环境的不同需求逐步演变成现代保险起着资金融通、损失补偿等作用应用在生活的个个场景。由于互联网的出现和渐渐普及全球保险业和互联网技术相互碰撞融合产生互联网保险。互联网保险作为一种新型的保险模式在近十年来对我国保险业的各个方面都产生了深远的影响。本文是运用文献资料法和分析归纳法进行的专题分析。论文内容分为三大部分第一部分描述了什么是互联网保险及其优势分析了众安保险的现状。第二部分展示众安保险在发展中存在的不足主要是产品创新风险、用户体验问题和依赖第三方平台这三个方面。第三部分是对众安保险三方面问题提出相应的对策建议分别是坚持场景化和大数据产品创新、优化线上服务和加强自身网站的品牌建设。第四部分对文中各部分综合整理进行总结并得出对互联网保险行业的启示。本文是在关注互联网保险发展的出发点上对众安保险进行重点分析可能在案例分析与客观数据相结合的研究方法等方面存在一定创新之处。关键词：互联网保险众安保险创新ABSTRACTInsuranceoriginatedfrommaritimelendingintheformofmutualassistanceininfancyafterthedifferentneedsofthesocio-economicenvironmentlittlebylittleevolvedintomoderninsuranceplayingtheroleoffinancinglosscompensationetc.appliedineverysceneoflife.WiththeadventoftheInternetanditsincreasingpopularityaroundtheworldtheinsuranceindustryandInternettechnologycollideandmergetoproduceInternetinsurance.InternetinsuranceasanewinsurancemodelhasexertedabigdealinfluenceonallaspectsofChina'sinsuranceindustryinthepasttenyears.Thispaperisathematicanalysisusingthemethodofliteratureandanalysisandinduction.Thepaperisdividedintothreeparts.ThefirstpartdescribeswhatisInternetinsuranceanditsadvantagesandanalyzesthestatusquoofzhonganinsurance.Thesecondpartshowsthedeficienciesofzhonganinsuranceinthedevelopmentmainlyincludingproductinnovationriskuserexperienceproblemanddependenceonthird-partyplatform.Thethirdpartistoputforwardthecorrespondingcountermeasuresandsuggestionsfortheproblemsexistinginzhonganinsurancewhicharetoadheretothesceneandbigdataproductinnovationoptimizeonlineservicesandstrengthenthebrandbuildingoftheirownwebsite.ThefourthpartsummarizesthecomprehensivearrangementofallpartsofthispaperandobtainstheenlightenmenttotheInternetinsuranceindustry.OnthebasisofpayingattentiontothedevelopmentofInternetinsurancethispaperfocuses