共查询到19条相似文献,搜索用时 984 毫秒
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进入21世纪以来,互联网技术的飞速发展和金融电子化支付手段的日趋成熟,使网上商业环境逐步得到了改善,为我国保险电子商务的发展提供了良好的发展机遇。但是,由于我国保险业电子化建设相对落后,保险经营的电子商务观念和意识不强等制约因素,保险电子商务在我国尚未得到真正发展。笔通过本发表对我国保险电子商务经营方式的一些看法,希望能够促进保险电子商务在我国的发展。 相似文献
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张薏 《上海金融学院学报》2011,(5):51-57
保险电子商务具有降低成本、提高效率的特点,能够帮助保险公司解决营销方式单一化与保险市场多样化的矛盾。在我国发展了十几年的保险电子商务已经成为一种保险销售应用的新型商业模式。本文介绍了保险电子商务的三种营销模式,分析了现阶段我国保险电子商务发展状况以及存在的问题,并为解决这些问题、促进保险电子商务进一步优化发展提出了一些建议。 相似文献
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电子商务带来了金融领域的一场大变革。本文就如何建设我国保险电子商务体系进行了探讨,结合保险电子商务的特点,分析了保险电子商务体系的应有架构、运作模式及保险电子商务体系中各个市场主体豹角色选择,并就目前我国保险电子商务建设中存在的一些问题,提出了我国保险电子商务的发展对策。 相似文献
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随着科技水平的飞速发展,移动电子商务在众多领域得到了充分应用与发展。在我国金融行业,移动电子商务也已在银行、证券等领域开始发挥它的作用,作为金融行业之一的保险业同样需要将移动电子商务应用到自身的发展过程中,使其与保险电销、网销并驾齐驱,促进我国保险营销制度的完善与发展,推动我国保险业不断向前发展。我国移动电子商务发展情况移动电子商务是利用手 相似文献
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电子商务在保险中的应用在我国还处于步阶段,有其独特的优点和制约因素。我们应充分利用后发优势,积极发展我国的保险电子商务。 相似文献
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保险业电子商务在我国发展早已起步,与国际保险业电子商务的发展相比较而言差距较大,我国政府和保险企业应采取多方面的措施和策略来促进保险业电子商务的进一步发展。 相似文献
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保险电子商务作为一种新型的商业模式及营销渠道,在降低保险企业经营成本,拓宽保险产品销售渠道,培育客户合作伙伴关系等方面发挥着重要的作用。保险企业在发展保险电子商务时必须根据其自身发展轨迹、内部管理和技术基础,找准保险电子商务的功能定位,注重保险电子商务的发展成效。现就如何提升保险电子商务的发展成效谈一下策略上的认识。一、构建保险电子商务发展框架体系 相似文献
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Abstract In recent years, the combined effects of deregulation in financial services, along with advances in telecommunications and information technology, are forcing far-reaching changes upon the insurance industry. The result is the industry is becoming more competitive. The emerging role of electronic commerce (e-commerce) is particularly important and interesting to study. I offer a brief survey of the role of e-commerce in the insurance industry. The paper is organized in the following manner: Section 1 summarizes Internet trends and discusses various related public policy issues; Section 2 addresses online insurance supply and demand; Section 3 discusses the economics of disintermediation and reintermediation and explains how this applies to e-commerce in the insurance industry. Finally, Section 4 offers a set of concluding remarks. 相似文献
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Adam Klauber 《Risk Management & Insurance Review》2000,3(1):45-62
ABSTRACT: The Internet is obviously a force that is here to stay. Every segment of the economy is experiencing dramatic change and is having to respond to shifts in the value chain, enhanced consumer power, and altered competitive cycles. Although the insurance industry has characteristics that should put it at the forefront of Internet adoption, certain cultural and technological factors could continue to limit penetration in the near term.
Four strategic business models emerging from the competitive field are: marketplace/exchange, work-site marketing, transaction processor, and eyeball attractor. This article identifies the factors for success within each model, then provides a competitor analysis to grade insurance e-commerce organizations on various competencies from Web site functionality to insurance capabilities. 相似文献
Four strategic business models emerging from the competitive field are: marketplace/exchange, work-site marketing, transaction processor, and eyeball attractor. This article identifies the factors for success within each model, then provides a competitor analysis to grade insurance e-commerce organizations on various competencies from Web site functionality to insurance capabilities. 相似文献
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本文结合义乌电子商务发展情况,分析了电子商务的融资现状、需求与融资瓶颈.通过研究电子商务创新融资的多种模式,分析其创新的共同点,总结电子商务融资模式创新的思路与路径,最后提出了创新电子商务融资模式的政策建议. 相似文献
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电子商务专业人才培养研究 总被引:1,自引:0,他引:1
陈银凤 《内蒙古财经学院学报(综合版)》2010,8(2):20-23
电子商务的快速发展,不仅为经济发展注入了新的活力,也对电子商务人才提出了新的要求,但这与当前电子商务应届本科毕业生的就业状况形成一定反差。文章分析电子商务对人才的要求以及培养本科电子商务人才目前存在的问题,进而深入探讨如何因地制宜对电子商务人才进行培养。 相似文献
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Ulrich Hübner 《保险科学杂志》2001,90(2-3):351-378
The use of the internet has developed significantly in recent years and has created new opportunities for the insurance sector. The virtual nature of the internet supports an effective medium for the sale of insurance products. An internet presence is a key part of an effective marketing and distribution strategy for every insurance company; despite uncertainties concerning expansion into an eletronic market, such strategies remain indispensable. The legal system is continuing to adapt to the ?intangible“ and borderless nature of e-commerce; clearly there remain problematic areas and issues which have yet to be adequately addressed. The article deals with essential questions related to the formation and the implementation of insurance contracts via the internet and focuses on still existing obstacles to the formation of the contract and possible solutions through the implementation of european directives. In this context, the digital signature plays a significant role. Furthermore, questions regarding the applicable law in the formation of contracts with international character will be addressed. In the light of the expansion of internet use and its facilitation of cross border contracts, consumer protection becomes more difficult. Efficient supervision and control of insurance providers that are located in other countries and offer insurance products on the internet is difficult to regulate. 相似文献
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Stimulating the Demand for Insurance 总被引:1,自引:0,他引:1
This article acts as a review and also a guide to policymakers who are interested in understanding the determinants of insurance demand and how it affects general economic development. By providing a synopsis and evaluation of existing empirical research on the development of insurance markets, this article provides a discussion of the factors that promote insurance market development. This article then highlights certain issues that both insurance companies and policymakers can utilize further in their own markets to design future policies that can be geared to promote insurance market development. 相似文献
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运用宏观经济学的研究方法,从经济周期视野对我国寿险业的发展态势进行了探讨。首先,对寿险业发展的宏观脉络进行了分析,认为寿险业的产品特征具有较强的亲周期性,通过HP滤波进行趋势周期分解后证实寿险业的周期性波动幅度比产险业显著。其次,对寿险业发展的当前态势进行了分析,维持了寿险业长期趋势向好的总体判断,但认为经济周期对寿险业的负面冲击效应较大,短期内寿险业难以恢复高增长态势。最后,对寿险业的发展提出了若干政策建议,认为准确定位、改善监管和优化环境是促进寿险业可持续发展的当务之急。 相似文献
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中国数字经济发展日新月异,在其快速发展中也暴露出各种网络安全风险。网络风险呈现出频繁性、隐蔽性以及高度破坏性特点,给数字经济发展带来了巨大隐患。国家"十四五"规划纲要中明确提出,将网络安全列为营造良好数字经济生态的重要一环。本文分析了数字经济时代的网络安全风险、网络安全保险的发展现状,以及中国网络安全保险市场的发展机遇、存在的问题,挖掘了国外网络安全保险的先进发展经验,并从保险公司、网络安全企业以及政府监管部门三方面,提出了网络安全保险创新发展的政策建议,以期化解网络安全保险风险,促进我国数字经济的良性发展。 相似文献