清华大学经管学院中国保险与风险管理研究中心

双周学术讨论会

报告主题：互联网保险对保险业发展的影响研究

报 告 人：何宇佳，清华大学经济管理学院博士研究生

报告时间：2014年3月12日星期三 14：00-16：00

报告地点：清华大学经济管理学院伟伦楼453<会议室>

报告语言：中文

主办单位：清华大学经济管理学院中国保险与风险管理研究中心

内容简介： 进入二十一世纪以来，互联网金融迅速发展给传统金融行业经营方式带来了前所未有变化，保险业也同样面临着互联网带来的巨大挑战和机遇。互联网保险绝不仅仅只是销售渠道的拓展，基于互联网精神的保险经营意识和运营方式才是对互联网对保险业发展的最深刻影响。一方面，保险公司可以利用互联网技术大幅降低业务成本，提升运营效率，同时借助大数据的利用，将使保险业能够极大地拓展其服务领域和服务方式。另一方面，互联网自身的发展也将带来新的市场需求，通过保险产品的保障作用，使互联网传统业务与互联网保险形成了一个可持续的良性互动。本研究从互联网金融的兴起入手，结合互联网精神与金融的融合，探讨了互联网保险对我国保险业的影响作用；全面梳理和分析了目前互联网保险市场的发展情况，包括保险公司、保险专业中介机构、互联网企业在互联网保险领域的实践，以及互联网保险领域出现一些创新商业模式；本研究认为专业化的B2C保险销售平台和个性化产品定制服务将是未来互联网保险发展的趋势。

清华大学经济管理学院中国保险与风险管理研究中心双周学术讨论会简介：

清华大学经济管理学院中国保险与风险管理研究中心从2011年3月4日开始，在每个学期隔周举办“双周学术讨论会”。每次讨论会主要围绕风险管理与保险领域的理论与实践问题，进行学术交流和研讨。欢迎在京高校老师和研究生届时参加！也欢迎大家参与报告和现场讨论！

欲了解更多信息，请登陆“中国保险与风险管理学术网”  http://www.ccirm.org/academic

联系人：

阎学煌

清华大学经济管理学院中国保险与风险管理研究中心

清华大学经济管理学院伟伦楼376室, 100084

电话：010-62773414；传真：010-62796801；

电邮：yanxh2@sem.tsinghua.edu.cn

CHINA CENTER FOR INSURANCE AND RISK MANAGEMENT (CCIRM), TSINGHUA SEM

DUAL-WEEK SEMINAR

TOPIC: Internet Insurance and Its Impact on the Development of the Insurance Industry

SPEAKER: HE Yujia, Ph.D. Candidate, School of Economics and Management, Tsinghua University

DATE/TIME: Wednesday, March 12, 2014, 2:00pm-4:00pm

VENUE: Meeting Room 453, WeiLun Building, Tsinghua SEM

LANGUAGE: Chinese

ORGANIZER: China Center for Insurance and Risk Management (CCIRM), Tsinghua SEM

ABSTRACT:

The 21st century has far been marked by the rise of the internet revolution which has changed many traditional industries. With the massive popularity of e-commerce in our county, customers’ shopping habits are also being reshaped. As a result the traditional financial institutions including the insurance companies have faced unprecedented threats and challenges. The internet insurance isn’t just a distribution channel expansion; it will play a more important role in the insurance business by the internet-based thinking and operation. On one hand, using the internet technology the insurance company can significantly reduce its business costs and improve operational efficiency. The big data also provides possibility to offer insurance services to the customers on the tail of demand curve. On the other hand, the internet can also create new market demand. This study provides a brief introduction to the internet finance in China discusses the challenges facing the insurance industry and explores the possible role of the internet insurance on these issues. This study also outlines the overall development and current innovations of the internet insurance market including the traditional insurance companies, the professional insurance intermediaries and the internet companies. In our conclusion the professional B2C insurance sales platform and the C2B personalized services will be the future trend of internet insurance.

A Brief Introduction to the Dual-week Seminar of CCIRM, Tsinghua SEM:

China Center for Insurance and Risk Management (CCIRM), a research center of the School of Economics and Management, Tsinghua University (Tsinghua SEM), has held dual-week seminars during each semester since March 4, 2011. Covering theoretical and practical issues related to risk management and insurance, the seminars facilitate academic exchanges among faculty members and research students, both internally as well as externally.

Detailed information is available at the website: http://www/ccirm.org/academic

Contact Us:  

YAN Xuehuang

Room 376 Weilun Building,

School of Economics and Management, Tsinghua University,

Beijing, P.R.C., 100084

Tel: (8601)62773414;

 Fax :( 8601)62796801;

Email:yanxh2@sem.tsinghua.edu.cn