基于移动互联网的保险生态环境研究
关键词：移动互联网； 保险生态环境； 改善
Abstract
Insurance environment is important for the survival and development of the insurance industry. In recent years, insurance situation of the ecological environment has been optimized, but overall was not optimistic, while mobile Internet bring new life to the improvement of the ecological environment of insurance. China's ecological environment as the legal environment of insurance, credit, intermediary market and social environment, and are not perfect places, has huge development potential of the mobile Internet is expected to improve the ecological environment of Chinese insurance. With the accelerating integration of mobile Internet technology and insurance, mobile Internet brings about opportunities for eco-environment development and improvement of insurance, it also brings challenges. Through successful foreign experiences, we can draw insurance ecological environment improvement strategy based on mobile Internet, in addition to perfect relevant laws and regulations, advance the credit system construction and the establishment of a complete set of the regulatory system, insurance companies should focus around users ' needs and user experience, building mobile ecosystem intelligent insurance, optimizing ecological environment of insurance.
Key words： Mobile Internet； The insurance of ecological environment；Improve
目 录
摘 要 Ⅰ
Abstract Ⅱ
一、引言 1
二、国内保险生态环境的现实障碍 1
㈠ 法律环境 1
㈡ 信用环境 2
㈢ 中介市场环境 2
㈣ 舆论环境 3
三、移动互联网对保险生态环境的影响 3
㈠ 移动互联网对保险生态环境的优化 4
㈡ 移动互联网对保险生态环境的挑战 4
四、国外移动互联网改善保险生态环境的实践 5
㈠ 国外移动互联网保险发展概况 6
㈡ 国外移动互联网改善保险生态环境的实践 6
㈢ 对国内移动互联网改善保险生态环境的启示 7
五、基于移动互联网的保险生态环境改善策略 7
㈠ 提供个性多样产品，形成智能产品体系 8
㈡ 推进信用体系建设，营造良好信用环境 8
㈢ 推广安全认证系统，完善手机投保流程 8
㈣ 建立配套监管体系，集中执行监管标准 9
优尔、结语 9
参考文献 11
致 谢 12
基于移动互联网的保险生态环境研究
一、引言
对于保险业而言，保险生态环境意义重大。所谓保险生态环境，实际上是对保险行业与行业内外人员、其它行业乃至整个社会之间的关系总称，它是指各种与保险相关的内外部因素的总和，既包括狭义层面的保险市场主体之间的行为方式和互相影响，又包括广义层面的保险业与外部环境之间的紧密联系和相互作用。可以说我国保险业的健康发展离不开良好的保险生态环境，虽然近年来我国保险生态环境有不断优化的态势，但总体上还是不容乐观。现如今，在“互联网+”的持续发酵下，随着移动用户的逐步增多和保险需求的日益强烈，移动互联网保险迸发出巨大的发展潜力，有望借助移动互联网优化保险生态环境。
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