本文關鍵詞： 互聯(lián)網(wǎng)保險 價值評估 估值方法　出處：《北京交通大學》2017年碩士論文　論文類型：學位論文

【摘要】：隨著互聯(lián)網(wǎng)應用技術的迅速發(fā)展,我國正在快速步入"互聯(lián)網(wǎng)+"時代。"互聯(lián)網(wǎng)+保險"的模式也伴隨著互聯(lián)網(wǎng)的發(fā)展應運而生,越來越受到人們的關注。中國保險巨大的市場空間、良好的互聯(lián)網(wǎng)用戶基礎、電子商務和移動支付等相關互聯(lián)網(wǎng)技術的廣泛應用以及傳統(tǒng)保險業(yè)面臨成本高、效益低、渠道受阻的發(fā)展困境共同促使互聯(lián)網(wǎng)保險業(yè)務規(guī)模地擴大。在經(jīng)過近二十年探索之后,我國互聯(lián)網(wǎng)保險迎來了快速發(fā)展階段,互聯(lián)網(wǎng)保險的市場份額在不斷地上升,成為中國保險行業(yè)發(fā)展的必然選擇。保險行業(yè)經(jīng)歷了多年的發(fā)展取得了一定的進步,但國內(nèi)保險行業(yè)在產(chǎn)品及服務方面同質化較為嚴重,且在服務效率,產(chǎn)品創(chuàng)新等方面同國外發(fā)達的保險市場相比還有很大的差距,具有很大的提升空間。對互聯(lián)網(wǎng)渠道的研究,對幫助傳統(tǒng)保險公司提升業(yè)績、服務效率具有重要意義。同時隨著大數(shù)據(jù)分析、云計算、移動支付等互聯(lián)網(wǎng)技術的廣泛應用,如何利用新技術、新思維,滿足客戶日益變化的個性化需求,成為保險行業(yè)面臨的重要選擇�；ヂ�(lián)網(wǎng)保險業(yè)務規(guī)�？焖僭鲩L的同時,制約互聯(lián)網(wǎng)保險發(fā)展的問題也逐漸顯現(xiàn),亟待解決。研究的核心問題是互聯(lián)網(wǎng)保險對傳統(tǒng)壽險公司價值的影響。具體回答以下問題:(1)傳統(tǒng)壽險公司為什么開展互聯(lián)網(wǎng)保險業(yè)務?(2)開展互聯(lián)網(wǎng)保險業(yè)務對公司的經(jīng)營產(chǎn)生了哪些影響?(3)如何開展互聯(lián)網(wǎng)保險,以提升壽險公司企業(yè)價值?本論文通過對相關文獻進行收集和整理,結合對保險公司開展互聯(lián)網(wǎng)保險業(yè)務的發(fā)展現(xiàn)狀的梳理,重點關注壽險公司的互聯(lián)網(wǎng)保險經(jīng)營情況,匯總了壽險行業(yè)互聯(lián)網(wǎng)保險經(jīng)營數(shù)據(jù),結合R壽險公司近年的互聯(lián)網(wǎng)保險發(fā)展財務數(shù)據(jù)和經(jīng)營情況進行案例研究,分析了壽險公司開展互聯(lián)網(wǎng)保險的原因,以及探討壽險公司開展互聯(lián)網(wǎng)業(yè)務對公司經(jīng)營活動(包括營銷活動、運營活動以及產(chǎn)品開發(fā))的影響以及對公司財務狀況的影響。在對互聯(lián)網(wǎng)對公司的經(jīng)營和財務狀況的影響分析的基礎上,分析互聯(lián)網(wǎng)保險對公司價值的影響。探求互聯(lián)網(wǎng)保險對壽險公司企業(yè)價值提升作用,尋找對企業(yè)價值提升具有重要影響的因素,以期能夠為壽險公司實現(xiàn)價值增值提供借鑒意義。
[Abstract]:With the rapid development of Internet application technology, our country is stepping into the era of "Internet" quickly. The mode of "Internet insurance" also comes into being with the development of Internet. China Insurance has a huge market space, a good Internet user base, electronic commerce and mobile payment and other related Internet technologies are widely used, and the traditional insurance industry faces high costs. The low efficiency and obstructed channels of the development of the dilemma jointly promote the expansion of the scale of Internet insurance business. After nearly 20 years of exploration, China's Internet insurance has ushered in a rapid development stage. The market share of Internet insurance is rising continuously, which becomes the inevitable choice for the development of China's insurance industry. The insurance industry has made some progress after years of development. However, the domestic insurance industry in the product and service homogeneity is more serious, and in the service efficiency, product innovation and other aspects compared with the developed insurance market abroad there is a big gap. There is a great room for improvement. The research on Internet channels is of great significance to help traditional insurance companies improve their performance and service efficiency. At the same time, with big data analysis, cloud computing. With the wide application of Internet technology, such as mobile payment, how to make use of new technology and new thinking to meet the increasingly changing needs of customers. It has become an important choice for the insurance industry. With the rapid growth of the Internet insurance business, the problems restricting the development of Internet insurance are also gradually emerging. The core of the research is the impact of Internet insurance on the value of traditional life insurance companies. Answer the following question: 1) Why do traditional life insurance companies carry out Internet insurance business? What is the impact of the Internet insurance business on the operation of the company? How can Internet insurance be carried out to enhance the corporate value of life insurance companies? This paper through the collection and collation of relevant literature, combined with the development of Internet insurance business of insurance companies to comb the status quo, focusing on the life insurance companies of the Internet insurance business. This paper summarizes the operation data of Internet insurance in the life insurance industry, and analyzes the reasons for the development of Internet insurance by life insurance companies, combining with the financial data and operation of Internet insurance development of R Life Insurance Company in recent years. As well as the life insurance company to carry out the Internet business to the company business activities (including marketing activities). The impact of operational activities and product development on the financial position of the company. Based on the analysis of the impact of the Internet on the operating and financial position of the company. This paper analyzes the influence of Internet insurance on corporate value, explores the role of Internet insurance in enhancing the corporate value of life insurance companies, and looks for the factors that have an important impact on the promotion of corporate value. With a view to life insurance companies to achieve value appreciation to provide reference.
【學位授予單位】：北京交通大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F842.3;F724.6

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