CAJ | 학술논문

通过分析我国互联网保险的特点和发展现状，发现快速变化的市场环境引致的社会日益增长的保险需求同相对落后的保险经营管理方式之间的矛盾日益突出，造成当前保险业增长乏力。互联网保险的出现弥补了传统保险的不足，成为保险业新的增长动力。本文运用分层回归分析方法，对我国2003-2013年网销保费及相关数据进行研究，验证了我国互联网保险驱动因素主要取决于税收、人口、互联网等方面，保险业自身因素对互联网保险影响不显著。研究发现，互联网保险的发展不是对传统保险的替代和竞争，而是保险新需求的发现，互联网保险满足多层次的保险需求。提出互联网保险是当前保险业发展的一种全新业态，其发展促进保险业思维和理念的变革。互联网新技术推动保险业发展，在保险渠道、产品、服务创新等方面产生巨大的推动力。
통과분석아국호련망보험적특점화발전현상，발현쾌속변화적시장배경인치적사회일익증장적보험수구동상대락후적보험경영관리방식지간적모순일익돌출，조성당전보험업증장핍력。호련망보험적출현미보료전통보험적불족，성위보험업신적증장동력。본문운용분층회귀분석방법，대아국2003-2013년망소보비급상관수거진행연구，험증료아국호련망보험구동인소주요취결우세수、인구、호련망등방면，보험업자신인소대호련망보험영향불현저。연구발현，호련망보험적발전불시대전통보험적체대화경쟁，이시보험신수구적발현，호련망보험만족다층차적보험수구。제출호련망보험시당전보험업발전적일충전신업태，기발전촉진보험업사유화이념적변혁。호련망신기술추동보험업발전，재보험거도、산품、복무창신등방면산생거대적추동력。
By analyzing the features and status quo of China’s internet insurance development, this paper found that the main reason causing the weak growth in the insurance industry is the conflict between people’s increasing needs for insurance and the relatively backward insurance management approaches. Internet insurance is a supplement to traditional insurance to a certain degree. By using the hierarchical regression method, this paper analyzes the insurance premium and its relative data from 2003 to 2013. The result shows that the driving factors of the internet insurance are: tax, population, internet, etc. The study also indicates that internet insurance is not a replacement or a threat to the traditional insurance business, but a new form of it instead. Internet insurance can satisfy people’s various needs for insurance. Finally, the author proposes that internet insurance, as a new insurance business, its development facilitates changes in the thoughts and ideas of the insurance industry as a whole. Internet technology has pushed it forward, especially, in such areas as insurance channels, product and service innovations. Therefore, internet insurance also injects fresh blood to China’s insurance industry.