At present, the development of cyber insurance in China is a rare opportunity. Although there are still many shortcomings, it has huge development potential in the long run. As Mr. STORM, the chairman of the Global Insurance Association, said at the annual meeting in Vancouver in 2000, "The e-commerce technology of China's insurance industry appears to be slow for the time being, but we firmly believe that when intelligent Chinese people realize a major breakthrough in the electronic technology of China's insurance industry in the future, an exciting scene will appear in China."
1、 The Necessity of Developing Network Insurance in China
The insurance agency system in China is not standardized. Some agents are of low quality. In addition, people are wary of strange visitors to door-to-door services, and some residents are suspicious of agents. Especially those white-collar workers who have a large proportion of insured customers and have a strong interest in insurance tend to make their own choices instead of being disturbed frequently, Therefore, the traditional door-to-door marketing method is not very suitable for them. This has brought certain difficulties to the further expansion of the insurance market, and it is urgent to introduce a new marketing method for customers to choose to make up for the shortcomings of traditional marketing methods. As a more flexible and convenient marketing method, online insurance will be accepted by more customers and can provide an effective channel for insurance companies to expand their business.
The network economy represented by e-commerce has brought networked challenges to the development of the world's insurance industry. Online insurance is favored by the insurance industry because of its advantages. It not only opens up a new territory for insurance marketing, but also provides an efficient management tool for the internal management of insurance companies. It also opens a channel for the connection between insurance companies and relevant institutions, realizing the convenience and rationality of the insurance industry's operation, At the same time, it is also conducive to the macro monitoring of the insurance industry by the insurance regulatory authorities. Therefore, we should speed up and strengthen our insurance Website Design Construction will enable China's insurance industry to step onto the information express as soon as possible and achieve a new leap forward. It will bring double returns to the operation and management efficiency and efficiency of China's insurance industry, and promote the integration of China's insurance industry with the world.
2、 Opportunities for China to develop cyber insurance
The emergence of cyber insurance provides an unprecedented opportunity for China's insurance industry to improve its own development level and catch up with the world's advanced level. China's insurance industry has a short history. There is not too much baggage. However, the demand of consumers for service channels is growing very fast, and the added value of developing online insurance in China will be greater than that in foreign countries. In the field of online insurance, the insurance industry at home and abroad is basically on the same starting line. At present, only some insurance companies can provide online insurance, and many companies still provide information services. Most insurance companies in China have realized the importance and urgency of e-commerce construction, and are actively trying e-commerce, with opportunities far greater than challenges. Although there is still a way to go for domestic insurance e-commerce, China has initially had the environment and conditions to accelerate the development of e-commerce. If China's insurance industry can seize the opportunity to board the information express as soon as possible, it may take the initiative and make a difference in the new round of insurance competition.
