Research on the Innovation of Internet Insurance Products in China
ZHOU Lei
WU Wen-ying
ZHANG Ya-min
Abstract：In the era of a internet finance,many insurance companies have launched various internet insurance products,which meet the needs of adiversified market. However,those products have some problems such as low innovative level,nonstandard product development and week risk control.By systematically analyzing some innovative cases and practical experience,a four-fold-level system is constructed,which includes channel innovation,scene innovation,business model innovation and“cloud”insurance. With this guidance,insurance companies are advised to focus on the application of new technology such as Block Chain in the design of products,innovation of normalized individual products or customized and dynamic pricing products. Meanwhile, companies should strengthen the risk control during product innovation and build better designing teams.
Keywords：internet insuranceproduct innovationbusiness modelbig dataBlock Chain
Publication Date：2016-01-01
Online Publishing Date：2025-08-15(First online date of this platform, not the publication date of the document)
Pages：5( 49-53 )