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英国essay论文精选范文：“Internet insurance”，这篇论文讨论了互联网保险。保险一直跟随着文明发展的脚步，随着科技发展，保险产品互联网化、简单化是大势所在。最近几年来，互联网保险在互联网金融业务中格外引人注目。从政府发布政策规范，到BAT巨头纷纷布局，再到中小创业者想方设法涌入，互联网保险表现出前所未有的生机与活力。

The first half of this year, the rapid development of the size of the Internet insurance market, the cumulative premium income of 143.11 billion yuan, 1.75 times the same period in 2015, of which the Internet personal insurance as an important growth point premium from January to June this year, the scale of premiums accumulated 113.39 billion Yuan, 2.5 times the same period in 2015, premium scale far more than the Internet property insurance.

Status of the main market As of the end of June 2016, the Internet personal insurance market, the main business has increased steadily, a total of 61 personal insurance companies to carry out Internet insurance business, compared with the same period in 2015 increased by 5, an increase of 8.9%. Accounting for the total number of personal insurance member companies 8 percent, of which 39 Chinese-funded companies, 22 foreign companies. Of the 61 personal insurance companies operating in the Internet life insurance business, 45 companies operate through self-built online mall, 53 companies and third-party e-commerce platform for in-depth cooperation, of which 37 companies using the official website and third-party cooperation "two-pronged approach "The business model.

In 2015, the emergence of Internet insurance company spurt growth, in addition to auto insurance parity and agent platform continued to grow, there have been against industry insurance, corporate insurance, health insurance companies, but also the company to policy management, post-warranty service claims claims For the direction. In addition, the beginning of 2014, mutual insurance platform also frequently appear in everyone's vision, at present, the Internet insurance start-up companies have more than 110.

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Since 2015, the Internet giants frequently to the insurance field of attack, insurance has become a giants battleground. Baidu, Jingdong, music and other giants have also layout of the Internet insurance, silver Jie, Omar appliances, shares of various institutions such as Yinjiang are the same time, the company has a large number of Internet insurance, Joined the construction of Internet insurance companies. It is foreseeable that in 2016, in addition to the traditional insurance enterprises active "network", the full market-oriented Internet insurance companies will blowout.

Internet insurance financing in the first half of 2016 According to the media has disclosed the investment and financing data, as of the end of June, a total of 10 Internet insurance companies to obtain financing. 10 from the financing event, the billion-level financing accounted for three, of which Huicai, Wukong Paul billion into the club. Up to now, a single round of financing billion companies, including the public security, car car insurance, big special insurance, Italy when the network, Hui select network, Wukong Bao. In the 10 financing, the network mutual aid field has 3 financing events, are the angel round. A time to become the focus of network assistance, the new platform for mutual aid continue to emerge.

Although the number of Internet insurance companies is on the rise, but the first half of the financing situation, the situation is not optimistic. From the financing stage, the first half of 10 financing events in the three get angel round, the rest are biased in the late stage. Visible, early Internet insurance project financing difficulties. Internet insurance imaginable innovation space is gradually reduced and each track has a player layout as the main reason. Whether the insurance provider, parity platform, the scene customized insurance, or agents to upgrade or the recent hot anomalies of mutual assistance, these entry are already online players, and increasingly fierce competition. So for new players, unless the team has a strong background or the choice of the track enough to attract people, otherwise it will be difficult to obtain capital of all ages.

A century later, the development of human civilization to what stage, we can not predict; a hundred years later, the insurance industry and insurance products will show what shape, cannot be expected. However, the progress of civilization, social development, insurance products more Internet-based, simpler, is the trend, and in the "Internet +" wave, all this has just begun......

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