目 录
摘要················································2
保险电子商务的概念·······························3
2.我国保险电子商务的现状····························33.影响我国保险电子商务发展的因素····················4
3.1企业信息化建设滞后·······························4
3.2电子商务交易的安全性问题·························4
3.3电子商务人才的缺乏·······························54.国外先进的保险电子商务营销模式····················5
4.1美国保险公司网络营销的情况·······················5
4.2英国保险公司网络营销的情况·······················65.我国保险电子商务健康发展的对策及建议··············7
5.1加强对电子商务变革的深刻认识·····················7
5.2积极完善我国保险电子商务的环境···················7
5.3转变营销观念，真正以客户需求为导向···············8
5.4努力培养电子商务专业人才.提高员工业务素质········8
内 容 摘 要
随着网络经济的不断拓展，电子商务活动在世界各国兴起。目前电子商务已经延伸到了社会各个领域，在经济发展与社会保障体系不断完善的背景下，保险业作为社会生活的中坚力量也逐渐在新领域与新技术方面不断创新。电子商务在保险业中的应用降低了成本，增加了保险机会，提高了赔付效率。全球经济环境的变化使我国的保险行业面临着大量的机会和巨大的挑战。本文阐述了现阶段其电子商务的发展现状与制约，并为我国的保险行业的电子商务提供了发展建议。
关键词：新领域 新技术 成本 赔付效率
