网络时代给中国保险业带来的启示

保险业是现代金融业三大支柱之一，中国保险业在行业内面临着国外保险公司的巨大竞争压力，同时又必须面对网络时代所带来的新挑战，保险业的竞争已经从传统的价格竞争转为保险企业综合实力的竞争。而网上保险将成为国际保险市场的一匹“黑马”。中国保险业如果能抓住这个契机，将有可能在这场起点不同的竞争中，与国外的保险公司一争高下，文章从保险业本身的特点出发，结合网络时代的新特点。针对我国保险业的现状，提出我国保险业的新条件下的竞争策略。

Strategy of Chinese Insurance' Development in Internet Age

Insurance is one backbone of the three modern financial fields. As to the Insurance of China, nowadays the development must deal with two more questions: the great pressure of foreign insurers and the challenge of Internet. The competition of insurers has turned from that of traditional price rivalship to that of all around strength of underwriters'. Insurance using Internet may occupy a large market in the world wide insurance field. As we all know, Chinese insurance has a shorter history than that of foreign companies. We can image that if Chinese companies can make a good use of Internet, there maybe a bright future. In this paper, the author wanted to give some advice for Chinese Insurance based on the characters of this field and the age of Internet and the present situation in China.