【摘要】：近年來(lái),保險(xiǎn)行業(yè)成為眾多上市公司投資的新選擇。上市公司紛紛投資或入股主要是看中保險(xiǎn)業(yè)的低融資成本和較高的保險(xiǎn)紅利。在不斷有上市公司以不同形式加入保險(xiǎn)行業(yè)的背景下,保險(xiǎn)生態(tài)圈面臨新的挑戰(zhàn)與機(jī)遇,如何趨利避害成為亟待解決的問(wèn)題。要想建立良性的“保險(xiǎn)生態(tài)”系統(tǒng),一方面需要數(shù)量眾多、形式種類(lèi)齊全、綜合實(shí)力強(qiáng)大的“內(nèi)層”保險(xiǎn)活動(dòng)主體,另一方面還需要健康完善的“外層”生態(tài)環(huán)境,“內(nèi)外層”之間需要互相補(bǔ)充,互相促進(jìn),和諧發(fā)展。在大數(shù)據(jù),“互聯(lián)網(wǎng)+”的新形勢(shì)下,保險(xiǎn)生態(tài)圈呈現(xiàn)出新的特征及問(wèn)題。依托大數(shù)據(jù),保險(xiǎn)公司實(shí)現(xiàn)了精準(zhǔn)營(yíng)銷(xiāo),實(shí)現(xiàn)了以客戶(hù)為中心的精準(zhǔn)定價(jià),促進(jìn)了保險(xiǎn)產(chǎn)品的創(chuàng)新。在“互聯(lián)網(wǎng)+”保險(xiǎn)領(lǐng)域,險(xiǎn)企與互聯(lián)網(wǎng)以各種方式融合,協(xié)同發(fā)展,主要的融合方式有互聯(lián)網(wǎng)企業(yè)聯(lián)合設(shè)立保險(xiǎn)公司,傳統(tǒng)險(xiǎn)企通過(guò)設(shè)立網(wǎng)站,APP等布局互聯(lián)網(wǎng),以及新設(shè)互聯(lián)網(wǎng)保險(xiǎn)公司。隨著互聯(lián)網(wǎng)保險(xiǎn)保費(fèi)收入的迅速增長(zhǎng),我們可以看到大數(shù)據(jù)與互聯(lián)網(wǎng)技術(shù)給保險(xiǎn)業(yè)增添了活力,吸引了更多的資本入資,提高了整個(gè)行業(yè)的社會(huì)影響力。本文分為五個(gè)部分,第一部分介紹了文章研究背景及意義;第二部分和第三部分對(duì)“樂(lè)視進(jìn)軍保險(xiǎn)業(yè)”的案例進(jìn)行了介紹,并依此為出發(fā)點(diǎn)探討各界資本進(jìn)軍保險(xiǎn)生態(tài)圈的現(xiàn)狀,分析各行業(yè)注資為保險(xiǎn)行業(yè)的發(fā)展帶來(lái)的正面與負(fù)面的影響。文章在第三部分重點(diǎn)分析了大數(shù)據(jù)與互聯(lián)網(wǎng)背景下保險(xiǎn)業(yè)的發(fā)展?fàn)顩r,探究了在這種背景下資本涌入的特征,以及保險(xiǎn)行業(yè)出現(xiàn)的一系列新風(fēng)險(xiǎn)和監(jiān)管問(wèn)題,如中小保險(xiǎn)公司能否持續(xù)盈利,地方性險(xiǎn)企的發(fā)展與監(jiān)管,互聯(lián)網(wǎng)保險(xiǎn)的監(jiān)管等。文章在最后一部分針對(duì)以上問(wèn)題提出了幾點(diǎn)建議,包括調(diào)整保險(xiǎn)公司市場(chǎng)價(jià)值定位,加強(qiáng)多層次保險(xiǎn)市場(chǎng)體系建設(shè),嚴(yán)格準(zhǔn)入制度等監(jiān)管政策,提高監(jiān)管效率等。
[Abstract]:In recent years, the insurance industry has become a new choice for many listed companies to invest. Listed companies invest or buy shares mainly because of the low financing cost and higher insurance dividend of the insurance industry. Under the background of the listed companies joining the insurance industry in different forms, the insurance ecosystem faces new challenges and opportunities, and how to seek advantages and avoid harm has become an urgent problem to be solved. In order to establish a benign "insurance ecology" system, on the one hand, we need a large number of "inner layer" insurance activities with complete forms and comprehensive strength; on the other hand, we also need a healthy and perfect "outer layer" ecological environment. The inner and outer layers need to complement each other, promote each other, and develop harmoniously. Under the new situation of big data, Internet, the insurance ecosystem presents new features and problems. Relying on big data, insurance companies achieve precision marketing, customer-centered precision pricing, and promote innovation of insurance products. In the field of "Internet" insurance, insurance companies and the Internet merge and develop in various ways. The main ways of convergence include the joint establishment of insurance companies by Internet enterprises, and the traditional insurance companies by setting up websites, APP and other layout of the Internet. And a new Internet insurance company. With the rapid growth of Internet insurance premium income, we can see that big data and Internet technology have added vitality to the insurance industry, attracted more capital investment, and enhanced the social influence of the whole industry. This paper is divided into five parts, the first part introduces the background and significance of the article, the second and third parts introduce the case of Letv entering the insurance industry. Based on this, the paper discusses the current situation of capital entering into the insurance ecosystem, and analyzes the positive and negative effects of capital injection on the development of insurance industry. In the third part, the author analyzes the development of insurance industry under the background of big data and Internet, explores the characteristics of capital influx in this context, and a series of new risks and regulatory problems in the insurance industry. Such as whether small and medium-sized insurance companies can continue to profit, the development and supervision of local insurance enterprises, Internet insurance supervision and so on. In the last part, some suggestions are put forward, including adjusting the market value orientation of insurance companies, strengthening the construction of multi-level insurance market system, strict admission system and other regulatory policies, and improving the efficiency of supervision and so on.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F842

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本文編號(hào)：2283555