CAJ | 학술논문

随着信息技术和计算机技术的蓬勃发展与广泛普及，蕴涵着无限商机的互联网保险开始茁壮成长。国外发达国家互联网保险有B2C、B2B两种模式。B2C可分为保险公司网站、第三方保险超市网站及互联网金融超市三种形式；B2B模式可分为互联网风险市场和互联网风险拍卖两种形式。我国互联网保险在近20年里经历了兴起、发展以及不断成熟的过程。从宏观角度看，这一过程主要可归纳为四个时期，主要模式包括保险公司网站、第三方保险超市网站、搭载与合作等。互联网金融的发展为我国互联网保险市场带来了新机遇，但必须认识到基于当前的发展条件和现状，现阶段我国互联网保险市场仍面临着巨大的挑战。只有清醒地认识到这些问题，并发挥行业能动性解决这些困难，才能确保我国互联网保险市场充分适应时代的需要，在全新的历史时期健康、全面地发展。
수착신식기술화계산궤기술적봉발발전여엄범보급，온함착무한상궤적호련망보험개시촬장성장。국외발체국가호련망보험유B2C、B2B량충모식。B2C가분위보험공사망참、제삼방보험초시망참급호련망금융초시삼충형식；B2B모식가분위호련망풍험시장화호련망풍험박매량충형식。아국호련망보험재근20년리경력료흥기、발전이급불단성숙적과정。종굉관각도간，저일과정주요가귀납위사개시기，주요모식포괄보험공사망참、제삼방보험초시망참、탑재여합작등。호련망금융적발전위아국호련망보험시장대래료신궤우，단필수인식도기우당전적발전조건화현상，현계단아국호련망보험시장잉면림착거대적도전。지유청성지인식도저사문제，병발휘행업능동성해결저사곤난，재능학보아국호련망보험시장충분괄응시대적수요，재전신적역사시기건강、전면지발전。
With the vigorous development and popularization of information technology and computer technolo-gy, the Internet insurance which contains infinite business opportunities begins to thrive. The Internet insurance in the developed countries includes two modes,namely,B2C and B2B. B2C can be divided into three forms,namely,in-surance company websites, third-party insurance supermarket site and Internet financial supermarket. B2B mode can be divided into two forms,namely,Internet risk market and Internet risk auction. The Internet insurance in China has experienced its rise,development and gradual maturing process in recent 20 years. From a macroscopic view,this pro-cess can be mainly divided into four periods. The major modes include insurance company websites, third-party insur-ance supermarket site,embarkation and cooperation,etc. The development of the Internet finance has brought new op-portunities to the internet insurance market in China,but it must be realized that the development of Internet insurance market in our country is still faced with enormous challenges at present stage, based on the current conditions and the status. Only through knowing these problems clearly and developing our industry initiative to solve the difficulties, can we ensure that the Internet insurance market in China fully meets the needs of the times,develop healthily and com-prehensively in the new historical period.