本文選題：互聯(lián)網(wǎng)保險 + 財務特征��； 參考：《財經(jīng)理論與實踐》2017年06期

【摘要】：互聯(lián)網(wǎng)保險特殊經(jīng)營模式使保險公司呈現(xiàn)固定資產(chǎn)占比較小、資產(chǎn)負債率較低、保險產(chǎn)品"場景化、碎片化"、渠道成本低廉等財務特征,也使保險公司面臨更為錯綜復雜的財務風險,如對股東的權(quán)益性資金依賴性較強、定價風險加大、盈利空間不定以及騙賠套保和洗錢風險等。鑒此,應拓寬籌資渠道,優(yōu)化保險產(chǎn)品定價,提高保費收入持續(xù)增長能力,降低運營和合作成本,構(gòu)建第三方保單認證和風險評估體系,加強資金規(guī)范化管理,強化外部監(jiān)管等。
[Abstract]:The special operation mode of Internet insurance makes insurance companies present financial characteristics such as small proportion of fixed assets, low ratio of assets and liabilities, "scene, fragmentation" of insurance products, low channel cost, etc. It also makes insurance companies face more complicated financial risks, such as strong dependence on shareholders' equity funds, increased pricing risk, uncertain profit space, fraud and loss hedging and money laundering risk, and so on. In view of this, we should broaden the financing channels, optimize the pricing of insurance products, improve the ability of sustained growth of premium income, reduce the operation and cooperation costs, construct a third-party policy certification and risk assessment system, and strengthen the standardized management of funds. Strengthen external supervision and so on.
【作者單位】： 湖南商學院會計學院;
【基金】：國家社會科學基金項目(17BGL050)
【分類號】：F724.6;F840.4;F842.3

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