浅谈保险电子商务营销的问题与对策研究

随着计算机网络技术的不断发展,给保险业带来了巨大的冲击和挑战。本文以保险电子商务营销为研究对象,阐述了保险电子商务营销的定义,分析了保险电子商务营销中遇到的一些问题,笔者针对这些问题,也提出了一些相应的解决对策和建议。     

保险电子商务在中国

一、我国保险电子商务的发展现状 目前,我国的保险电子商务还处于起步阶段.1997年底建立的首家保险信息网--"中国保险网"拉开了我国保险电子商务发展的序幕.1999年3月9日,国内首家保险电子商务网站--"网险"的推出又预示了我国保险电子商务时代的全面到来.现在国内各家保险公司中已有九成拥有了自己的主页,许多由风险投资乃至个人创办的保险网站也开始纷纷涌现,逐渐形成了以保险公司创建的专业型和非保险公司创建的平台型两种形式的保险电子商务网站模式,从而使保险电子商务作为一种新的营销模式走进我们的生活.     

提升保险电子商务发展成效的策略探讨

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     

移动电子商务在保险业中的应用

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     

谈我国保险电子商务体系的建设

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。     

中外保险电子商务发展比较研究

本文系统比较了国内外保险电子商务发展现状,分析了当前我国保险电子商务发展的必然性及其存在问题,并对欧美国家保险电子商务发展经验对我国的启示进行了探讨.     

试论保险电子商务对保险营销的积极影响

本文首先介绍了保险电子商务的概念和特点,然后主要阐述了保险电子商务对保险营销理念、市场细分、营销策略、网上品牌等方面的积极影响。     

电子商务技术在保险行业的应用

保险电子商务作为一种新型的经营方式和商业模式,在降低保险企业经营成本,创造新的营销手段和合作关系等方面发挥着重要作用。国内保险公司竞相开通了各自富有特色的保险电子商务网站,网上保险业务也呈现出蓬勃发展之势。随着保险电子商务网站内容建设逐步趋于多元化,客户对网站提供的各类服务提出了较高的要求,个性化服务、全天候服务已提上议事日程。以客户为中心的保险电子商务营销模式的建立,要求依靠先进的电子商务技术来实施。一、保险电子商务门户网站建设保险电子商务门户网站作为传统销售渠道的开拓与延伸,为客户提供了方便快捷的…     

保险电子商务推广研究

随着互联网的迅速发展，网上购物、商户之间网上交易和在线电子支付正作为一种新兴的商业运行模式日益受到重视并呈现出蓬勃发展之势。保险电子商务的推广也被提到了各保险企业的议事日程，特别是《国务院关于保险业改革与发展的若干意见》的颁布，电子商务更加受到普遍关注。因此，研究和探讨如何推广保险电子商务对加快保险服务创新和保险营销创新具有十分重大的现实意义。     

“刷手机”时代已经来临

近年来，我国保险行业电子商务取得比较快的发展，保险电子商务的规模增速明显，其已成为重要的营销渠道和业务增长点。     

Insurance on the Internet

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.     

Developing an index of online customer satisfaction

This paper integrates and applies the concept of ‘satisfaction’ from three fields: management information systems (MIS), marketing and e-commerce. E-customers are viewed as both computer users and customers and as a result researching customer satisfaction in e-commerce needs to integrate aspects of satisfaction from each of these fields. This study defines e-customer satisfaction and develops an index using a weighted sum model. The index is tested using a Korean sample. Analyses suggest an acceptable model and a generalisable set of measures from which managers and researchers evaluate online satisfaction and, especially, marketing strategies in financial services industries.     

Vertragsschluß und Probleme des Internationalen Privatrechts beim E-Commerce

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.     

An exploratory study into the implementation of internal marketing in small insurance brokers in the United Kingdom

The purpose of this article is to explore internal marketing in the United Kingdom small insurance brokers. Most research on internal marketing has been conducted in large firms. Consequently, research in this field in small firms, particularly small insurance brokers, has been limited despite their significance to the UK economy. In this study, interviews were conducted with 12 UK small general insurance brokers to explore their understanding and implementation of internal marketing. The findings indicate that internal marketing is used informally and that there are some linkages between the elements of internal marketing. This study contributes to knowledge by identifying the impact of the size of broker and the Treating Customers Fairly regulations on the formality of internal marketing. In practice, managers should give more attention to internal marketing activities in order to achieve the company's aims of customer orientation and better performance.     

Author’s Reply: Skewness and Stock Option Prices - Discussion by Terence Chan,Michel Jacques,Heinz H. Mu¨ller,Geérard Pafumi,Elias S.W. Shiu,and Serena Tiong,July 1997

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.     

保险公司个人代理营销体制发展方向思考

上世纪90年代,个人保险代理人(下称营销人员)制度引入中国,为中国保险业的发展做出了巨大贡献,但随着保险业的快速发展,保险营销制度的缺陷日益凸显,已进入瓶颈状态。2009年4月,保监会下发了《关于改革完善保险营销体制机制的意见》(征求意见稿),确立了保险营销体制改革的目标、重点和路径,这是中国保险业发展史上关于营销体制改革的第一个权威性官方文件,代表了官方层面对于现行保险营销体制的立场和未来的发展期望,笔者以财险公司的工作经历,提出了对我国保险营销体制发展方向的一些看法。     

不完全资本市场下养老保险运营：国际考察与我国的策略

资本市场不完全是建立高效养老保险体系的重要障碍,国外在这方面已经进行了较为深入的研究。养老保险作为一个规模较为庞大的机构投资者在进入金融市场的过程中会产生积极与消极两个方面的影响。我国在不完全资本市场条件下养老金的管理体系存在着一些问题。如隐性债务和转轨成本的承担主体虚化;空账管理以及社会覆盖面难以扩大;退休年龄偏低等。本文对此提出对策建议。     

零售企业网上与实体零售的比较及协同路径选择

网上零售以运营成本低、营销渠道便利、定价策略丰富以及顾客反馈方便为优势;实体零售则在其他方面的优势较为明显。传统零售商在发展网络销售过程中,要考虑自身的内外部条件,选择相应的发展模式,从供应链、产品、促销、售后服务等方面采取最优发展策略,推进实体零售与网上零售协同发展。     

寿险营销渠道创新:直复营销模式在我国的应用

本文着重讨论直复营销这一创新销售模式于我国寿险业运用,并通过和传统营销模式的比较指出其优势,及我国寿险企业开展直复营销的前景与制约条件,旨在为寿险公司的营销渠道创新提供一些新思路.