| “互联网+”背景下中国车险市场的发展 |
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| 引用本文： | 孟昭群,陈露.“互联网+”背景下中国车险市场的发展[J].未来与发展,2016(9):49-51. |
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| 作者姓名： | 孟昭群 陈露 |
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| 作者单位： | 南开大学金融学院,天津,300071 |
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| 摘 要： | 近年来车险面临着保费增速放缓、承保微利、市场集中度高等方面的压力。而互联网及相关技术的快速发展，为车险业的变革带来了前所未有的机遇和挑战，我国车险如何利用互联网技术提高效率有其现实意义。本文分析了“互联网+”为车险行业带来的机遇与挑战，并梳理了美国和欧洲的互联网车险的发展沿革、发展模式等，并考察UBI 的实践案例，结合以上内容，试图为未来中国车险的发展给出合理建议。
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| 关 键 词： | 车险 互联网保险 UBI |
The Development of China’s Motor Insurance Market under the Internet Plus |
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| Abstract: | Motor insurance accounts for a vital position of China ’s P&C insurance market. The Internet plus brings opportunities for motor insurance market, so how to utilize the superiority of the Internet plus has practical significance for motor insurance. This paper concludes opportunities and challenges the Internet plus brings to motor insurance. By analyzing the development evolution and characteristics of Internet vehicle Insurance in United State and Europe especially, this paper attempts to give suggestions to the development of China’s motor insurance market in the future. |
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| Keywords: | motor insurance internet vehicle insurance UBI |
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