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我国网络销售方兴未艾,预示着我国保险业销售模式的发展潮流与方向。通过分析我国保险网销的发展前景与现状,认为我国保险网销具备明显的市场竞争优势、市场发展潜力巨大,所以业界纷纷试水开办,呈现了多种的渠道发展模式,但是由于尚处于初始试水阶段,也存在思想观念比较陈旧、产品开发相当滞后、网络安全存在隐患、网站功能建设不足、投保流程复杂繁琐、监管自律出现真空、法律法规不够完善等方面的问题,应采取相应对策予以解决。
China’s online sales in the ascendant, indicates the development trend and direction of China’s insurance sales model. By analyzing the development prospect and status quo of insurance net sales in our country, we think that there is obvious market competition advantage in our insurance net sales and great potential for market development. Therefore, the industry started to test the water in succession and presented a variety of channel development modes. However, At the trial stage of water, there are also problems such as obsolete ideas and concepts, lagging behind in product development, hidden dangers in cybersecurity, inadequate construction of website functions, complicated and complicated insurance procedures, a vacuum in regulatory self-discipline, and imperfect laws and regulations. Corresponding measures should be taken solve.