發(fā)布時(shí)間：2018-05-17 21:37

  本文選題：電子商務(wù) + 保險(xiǎn)　； 參考：《西南財(cái)經(jīng)大學(xué)》2014年碩士論文

【摘要】：隨著中國(guó)經(jīng)濟(jì)的蓬勃發(fā)展,中國(guó)的互聯(lián)網(wǎng)事業(yè)也進(jìn)入了迅猛發(fā)展期,逐步在我國(guó)國(guó)民經(jīng)濟(jì)中占有重要地位,改變了人們生活的方方面面�；ヂ�(lián)網(wǎng)的出現(xiàn)使得地球越來越趨向一體化,“地球村”的概念也由于網(wǎng)絡(luò)的連接,使得人們?cè)絹碓缴羁绦蜗蟮母惺艿竭@個(gè)詞的含義。近些年來迅猛發(fā)展的互聯(lián)網(wǎng)事業(yè)也為中國(guó)保險(xiǎn)業(yè)的發(fā)展打開了一扇新窗口,隨著電子商務(wù)日新月異的發(fā)展與普及,一種全新的保險(xiǎn)經(jīng)營(yíng)方式保險(xiǎn)電子商務(wù)應(yīng)運(yùn)而生。作為一種新的營(yíng)銷手段和服務(wù)客戶的方式,保險(xiǎn)電子商務(wù)正在被越來越多消費(fèi)者和保險(xiǎn)公司所認(rèn)可。保險(xiǎn)公司通過互聯(lián)網(wǎng)向客戶普及防災(zāi)防損的保險(xiǎn)理念,客戶可以通過自助查詢來獲得相關(guān)信息,大大節(jié)省了客戶與代理人交流所花費(fèi)的時(shí)間。此外,由于保險(xiǎn)的特點(diǎn)以及目前保險(xiǎn)公司在中國(guó)金融行業(yè)的地位,更有利于提供一站式個(gè)人金融理財(cái)服務(wù),向金融類門戶網(wǎng)站發(fā)展。經(jīng)過二十一世紀(jì)第一個(gè)十年的星火燎原,如今的網(wǎng)絡(luò)保險(xiǎn)正逐步成為各家保險(xiǎn)公司和消費(fèi)者所關(guān)注的熱點(diǎn)。它會(huì)給人們的生活帶來怎樣的影響,保險(xiǎn)公司對(duì)于這個(gè)新的渠道又會(huì)怎么去發(fā)展?本文旨在通過對(duì)保險(xiǎn)電子商務(wù)在我國(guó)的發(fā)展環(huán)境、發(fā)展過程中所存在的優(yōu)劣勢(shì)以及消費(fèi)者對(duì)保險(xiǎn)網(wǎng)絡(luò)銷售的態(tài)度進(jìn)行分析,為保險(xiǎn)電子商務(wù)更好更快地發(fā)展提供參考。 本文所研究的內(nèi)容主要包括以下四個(gè)部分： 第一部分首先提出了保險(xiǎn)電子商務(wù)的概念,對(duì)保險(xiǎn)電子商務(wù)的主要形式、運(yùn)作模式及業(yè)務(wù)內(nèi)容等進(jìn)行了詳細(xì)介紹。第二部分主要敘述保險(xiǎn)電子商務(wù)在我國(guó)的發(fā)展概況,著重分析了保險(xiǎn)電子商務(wù)在我國(guó)發(fā)展過程中所具有的優(yōu)勢(shì)與存在的問題,我國(guó)發(fā)展保險(xiǎn)電商的優(yōu)勢(shì)主要在于堅(jiān)實(shí)的群眾基礎(chǔ)、行業(yè)所具有的成本優(yōu)勢(shì)、優(yōu)于傳統(tǒng)渠道的客戶體驗(yàn)等,雖然保險(xiǎn)電子商務(wù)在我國(guó)發(fā)展?jié)摿薮?但同時(shí)也面臨著市場(chǎng)認(rèn)識(shí)上的不足、網(wǎng)絡(luò)交易安全問題、產(chǎn)品同質(zhì)化問題諸多挑戰(zhàn)。第三部分則針對(duì)民眾對(duì)網(wǎng)絡(luò)保險(xiǎn)的態(tài)度以及對(duì)網(wǎng)上投保的意向進(jìn)行探究,通過設(shè)計(jì)問卷調(diào)查,對(duì)問卷結(jié)果進(jìn)行統(tǒng)計(jì)分析,從而研究投保人的消費(fèi)心理,網(wǎng)絡(luò)保險(xiǎn)銷售方可以從中獲取信息以開展?fàn)I銷活動(dòng)。第四部分則是探討如何更好地推進(jìn)我國(guó)保險(xiǎn)電子商務(wù)的發(fā)展,分別從建立對(duì)保險(xiǎn)電子商務(wù)長(zhǎng)遠(yuǎn)規(guī)劃體系、產(chǎn)銷分離的保險(xiǎn)營(yíng)銷大趨勢(shì)、做好服務(wù)創(chuàng)新與產(chǎn)品創(chuàng)新以及實(shí)現(xiàn)新型營(yíng)銷管理幾個(gè)方向進(jìn)行敘述。 本文的主要成果在于：(1)通過對(duì)當(dāng)前國(guó)內(nèi)保險(xiǎn)電子商務(wù)業(yè)務(wù)發(fā)展模式的研究探討,較為全面地分析了在當(dāng)前經(jīng)濟(jì)金融環(huán)境下保險(xiǎn)電子商務(wù)在我國(guó)發(fā)展過程中的機(jī)遇與挑戰(zhàn)；(2)采取問卷調(diào)研方式,分析消費(fèi)者對(duì)網(wǎng)絡(luò)投保的態(tài)度,探討影響投保人投保的各類因素,尋求適合我國(guó)現(xiàn)狀的發(fā)展模式。
[Abstract]:With the rapid development of China's economy, the Internet industry in China has entered a period of rapid development, which gradually occupies an important position in our national economy and has changed all aspects of people's lives. The emergence of the Internet makes the earth more and more integrated, the concept of "global village" also because of the network connection, make people feel the meaning of the word more and more deeply. The rapid development of Internet in recent years has also opened a new window for the development of China's insurance industry. With the rapid development and popularization of e-commerce, a new mode of insurance business insurance e-commerce came into being. As a new means of marketing and service to customers, insurance e-commerce is being recognized by more and more consumers and insurance companies. Insurance companies popularize the concept of disaster prevention and loss prevention through the Internet. Customers can obtain relevant information through self-service inquiry, which greatly saves the time spent by customers and agents to communicate with each other. In addition, due to the characteristics of insurance and the current status of insurance companies in China's financial industry, it is more conducive to providing one-stop personal financial services and developing to financial portals. After the first ten years of 21 century, network insurance is becoming the focus of attention of insurance companies and consumers. How will it affect people's lives and how will insurance companies develop this new channel? The purpose of this paper is to analyze the development environment of insurance electronic commerce in our country, the advantages and disadvantages of the development process and the attitude of consumers to the insurance network sales, so as to provide a reference for the better and faster development of insurance electronic commerce. The contents of this paper mainly include the following four parts: In the first part, the concept of insurance e-commerce is put forward, and the main forms, operation modes and business contents of insurance e-commerce are introduced in detail. The second part mainly describes the development of insurance e-commerce in China, focusing on the analysis of the advantages and problems of insurance e-commerce in the process of development in China. The advantages of developing insurance e-commerce in China mainly lie in the solid mass base, the cost advantage of the industry and the customer experience of traditional channels, etc. Although the development potential of insurance e-commerce in China is huge, But at the same time, it also faces many challenges, such as market awareness, network transaction security and product homogenization. The third part is aimed at people's attitude to network insurance and the intention of online insurance, through designing questionnaire, the questionnaire results are statistically analyzed, so as to study the consumer psychology of policy holders. Network insurance seller can obtain information from this to carry out marketing activities. The fourth part is to explore how to better promote the development of insurance e-commerce in China, respectively from the establishment of a long-term insurance e-commerce planning system, the separation of production and marketing of insurance marketing trend, Good service innovation and product innovation as well as the realization of new marketing management several directions are described. The main achievements of this paper are: (1) through the research on the current domestic insurance e-commerce business development model, This paper comprehensively analyzes the opportunities and challenges of insurance electronic commerce in the development process of our country under the current economic and financial environment) by means of questionnaire investigation, analyzes the attitude of consumers to network insurance, and probes into the various factors that affect the insurance of policy holders. To seek a development model suitable for the present situation of our country.
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F842;F724.6

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本文編號(hào)：1902937