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PAGE PAGE 1 中文摘要 网络应用于保险业，便赋予了保险新的形式，从而产生了网上保险。网上保险的最终目标是实现电子交易，即通过网络实现投保、核保、理赔、给付。保险公司的电子商务平台不是企业从传统到网络的一次简单移植，而是为客户提供了产品、渠道和服务上的更多选择。中国保险企业在发展网上保险时，要逐步将公司网站作为销售渠道，以获得保费收入为主要目的，并从降低成本，完善服务的角度来定位网站。不能再将网站单一地作为一种宣传工具。网络保险作为一种新的业务模式在我国尚处于实践性探索阶段，其发展仍然受到很多问题的制约，对此，提出一些相应的对策。 关键词 网络保险 现状 发展趋势 Abstract Network used in the insurance industry, it gives a new form of insurance, thereby creating an online insurance. Online insurance is to achieve the ultimate goal of electronic transactions through the network covered by insurance, underwriting, claims, payments. Insurance companies rather than business e-commerce platform from the traditional to the network of a simple transfer, but to provide customers with the products, channels and services more choices. Chinas insurance business in the development of online insurance, it is necessary to gradually bring the companys Web site as a sales channel in order to obtain the primary purpose of premium income, and reduce costs, improve service to locate the point of view of Web site. Web site can no longer rely solely as a propaganda tool. Network of insurance as a new business model in China is still in the exploratory stage practicality, and its development is still constrained by a lot of problems, which put forward some corresponding countermeasures. Key words Network Insurance The status Development Trend 目录 TOC \o 1-2 \h \z \u HYPERLINK \l _Toc219120095 一、网络保险概述 PAGEREF _Toc219120095 \h 1 HYPERLINK \l _Toc219120096 二、我国网络保险的现状与发展趋势 PAGEREF _Toc219120096 \h 1 HYPERLINK \l _Toc219120097 （一）我国网络保险的现状 PAGEREF _Toc219120097 \h 1 HYPERLINK \l _Toc219120098 （二）我国网络保险的发展趋势 PAGEREF _Toc219120098 \h 2 HYPERLINK \l _Toc219120099 三、目前我国网络保险存在的问题 PAGEREF _Toc219120099 \h 3 HYPERLINK \l _Toc219120100 （一）关于加快推进保险业信息化进程的问题 PAGEREF _Toc219120100 \h 3 HYPERLINK \l _Toc219120101 （二）关于同时推进企业内外部网建设的问题 PAGEREF _Toc219120101 \h 4 HYPERLINK \l _Toc219120102 （三）关于高度重视网络安全的问题 PAGEREF _Toc219120102 \h 4 HYPERLINK \l _Toc219120