摘要保险业历经几百来的发展和进步，已然在全球已达到非常高的发展水平。而我国保险发展依旧处于起步阶段，想要促进我国在世界保险市场上进一步高速发展，占有一席之地，那么认清本国发展情况，结合信息技术及时调整策略步伐，预测我国保险业的发展前景就成了一个尤为重要的研究课题。43548

本文以目前我国保险业的情况为出发点，分析现有的四种保险业模式：财产保险、农村寿险、银行保险、互联网保险，重点分析互联网保险在中国保险业所处的地位及面临的困难，尝试着在较为完善的社会保障制度下、开放市场、互联网电子商务渐进改革这一真实前提下研究互联网保险发展的情况和措施。

本文共分为六章内容，在理论和数据分析研究的基础上采用提出问题，分析问题和解答问题的研究思路，论述了我国互联网保险的发展现状和相关问题，辅以SWOT法论说了互联网保险的优劣势、机遇和潜在威胁，透过海内首家互联网保险公司成长的经历与我国情况，提出了加速我国互联网保险前进的意见策略及远景预测。

毕业论文关键词：保险业；市场规模；互联网保险；发展模式 

Analysis on the development prospect of China's Insurance Industry

Abstract

After hundreds of insurance to development and progress in the earth has achieved a upper-level of growth. And insurance development in our country is still in its infancy, to promote the further development in the world insurance market in our country, occupy a space for one person, should develop a clear understanding of their situation, combined with the timely adjustment of the pace of information technology strategy, forecasting the development prospects of China's insurance industry has become one particularly important research topic.

In this paper, the current situation of the insurance industry as a starting point, analysis of the existing four modes insurance: property insurance, rural life, banking, insurance, Internet insurance, focuses on the status of the Internet and the difficulty insurance in China's insurance industry which faced try under a the relatively perfect social security system, Non-Bundled market, Internet e-commerce gradual reform on Internet development in the case of insurance and measures under the real premise.

The paper is pided into six chapters, the basic theory and analysis of data on the use of questions, analyze problems and to answer research questions the idea, discussed China's Internet development status and insurance-related issues, supplemented by SWOT Method discourse Internet Insurance advantages and disadvantages, chances and menaces, by means of the experience of insurance company growth of collecting the first Internet with situation in our country, put forward opinions accelerate China's Internet strategy and prospect prognosis of the insurance proceeds.

Key Words: insurance industry；market size；internet insurance；development model

 目  录

摘要-1

Abstract-Ⅱ

目录Ⅲ

一、导论1

（一）研究背景和研究意义1

（二）国内外研究现状1

（三）论文研究的主要内容2

（四）论文的研究方法3

二、中国保险业的发展概述3

（一）我国保险业的发展历程-3

（二）我国保险业的现状概述-4

（三）互联网保险及意义-7

三、互联网保险在中国的SWOT市场分析-9

（一）SWOT分析方法.-9

（二）互联网保险的内部分析——优势和劣势9

（三）互联网保险的外部分析——机会和威胁-10

四、我国互联网保险的典型案例研究-11

（一）国内首家互联网保险公司——众安保险12