保险科技视角下互联网保险创新发展研究

Research on the Innovative Development of Internet Insurance from the Perspective of Insurtech

摘要: 保险科技加速了互联网保险的发展，但与之而来的互联网保险信息安全问题、不当创新、竞争无序严重损害了保险消费者的权益，互联网保险产品的单一性与监管风险等也限制了互联网保险的良性发展。该文通过分析互联网保险的发展现状以及保险科技应用于互联网保险的发展现状，找出互联网保险运营面临的困境，提出其发展建议：加大保险科技的研发投入与维护；增加险企与监管部门的联系，引导互联网保险合规发展；树立“以客户为中心”的观念，提升服务体验；创新互联网保险产品设计。

Abstract: Insurance technology has accelerated the development of Internet insurance, but the security problems of Internet insurance information, improper innovation and disorderly competition have seriously damaged the rights and interests of insurance consumers, and the singularity and regulatory risks of Internet insurance products have also limited the benign development of Internet insurance. By analyzing the development status of Internet insurance and the application of insurance technology in Internet insurance, this paper finds out the difficulties faced by Internet insurance operation and puts forward its development suggestions: increasing the investment and maintenance of insurance technology; increasing the contact between insurance companies and regulatory authorities, and guiding the development of Internet insurance compliance; establishing the concept of “customer-centered” and improving the service experience; innovating the design of Internet insurance products.