本文關(guān)鍵詞： 人保財(cái)險(xiǎn) 電子商務(wù) 策略研究　出處：《華僑大學(xué)》2017年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：近幾年,電子商務(wù)在我國(guó)發(fā)展迅速,網(wǎng)民數(shù)量急劇增加,網(wǎng)購(gòu)環(huán)境逐漸成熟,為互聯(lián)網(wǎng)保險(xiǎn)發(fā)展帶來(lái)了良好機(jī)遇。尤其自2012年開(kāi)始,中國(guó)的互聯(lián)網(wǎng)保險(xiǎn)進(jìn)入全面發(fā)展時(shí)期,各保險(xiǎn)企業(yè)通過(guò)官方網(wǎng)站、保險(xiǎn)超市、門(mén)戶(hù)網(wǎng)站、離線商務(wù)平臺(tái)、第三方電子商務(wù)平臺(tái)等多種方式開(kāi)展互聯(lián)網(wǎng)保險(xiǎn)業(yè)務(wù)。據(jù)艾瑞咨詢(xún)公司統(tǒng)計(jì),2016年中國(guó)保險(xiǎn)電子商務(wù)保費(fèi)規(guī)模達(dá)到590.5億元。人保財(cái)險(xiǎn)公司是我國(guó)保險(xiǎn)市場(chǎng)中市場(chǎng)份額最大的國(guó)有制保險(xiǎn)公司,在保險(xiǎn)電子商務(wù)發(fā)展方面也走在行業(yè)前列,因此本文選取人保財(cái)險(xiǎn)公司保險(xiǎn)電子商務(wù)作為研究對(duì)象制定發(fā)展策略。目前國(guó)內(nèi)雖然已有約90%的保險(xiǎn)公司開(kāi)通了自己的官方網(wǎng)站,但主要內(nèi)容大都局限于介紹產(chǎn)品、介紹公司的背景、與客戶(hù)進(jìn)行網(wǎng)上交流、宣傳自己等。其中也有一部分保險(xiǎn)公司開(kāi)通網(wǎng)上保險(xiǎn)業(yè)務(wù),但僅實(shí)現(xiàn)了網(wǎng)上投保和支付,而實(shí)現(xiàn)在線理賠等延伸服務(wù)的還并不普遍。因此,現(xiàn)階段,為適應(yīng)電子商務(wù)時(shí)代的競(jìng)爭(zhēng),保險(xiǎn)公司應(yīng)重新確定保險(xiǎn)產(chǎn)品設(shè)計(jì)、信息交互、配套服務(wù)、廣告宣傳以及利益的再分配等,這些對(duì)于任何一家保險(xiǎn)公司都具有十分重要的現(xiàn)實(shí)意義。本論文的研究目的就是通過(guò)對(duì)人保財(cái)險(xiǎn)泉州分公司現(xiàn)有的電子商務(wù)開(kāi)展?fàn)顩r進(jìn)行研究分析,從而總結(jié)出其目前電子商務(wù)開(kāi)展過(guò)程中實(shí)施電子商務(wù)的取得的成績(jī)和碰到的問(wèn)題,在此基礎(chǔ)上,利用管理學(xué)知識(shí)、信息化知識(shí)以及電子商務(wù)知識(shí),提出發(fā)展人保財(cái)險(xiǎn)泉州分公司電子商務(wù)的對(duì)策,探討適合該公司現(xiàn)狀的電子商務(wù)方案,為該公司開(kāi)展電子商務(wù)活動(dòng)提供一些可行的方法和操作思路。通過(guò)本次論文的研究過(guò)程,也可以為國(guó)有傳統(tǒng)大型保險(xiǎn)企業(yè)如何通過(guò)電子商務(wù)提升公司業(yè)績(jī),使客戶(hù)服務(wù)更加人性化,使管理更加科學(xué)化提供一定的借鑒。
[Abstract]:In recent years, with the rapid development of e-commerce in China, the number of Internet users has increased dramatically, and the online shopping environment has gradually matured, which has brought a good opportunity for the development of Internet insurance, especially since 2012. China's Internet insurance has entered a comprehensive development period, insurance companies through the official website, insurance supermarkets, portals, offline business platform. Third party e-commerce platform and other ways to carry out Internet insurance business. According to Erie Consulting Company statistics. In 2016, the insurance premium of China's insurance industry reached 59.05 billion yuan. PICC is the state owned insurance company with the largest market share in China's insurance market. In the insurance e-commerce development is also in the forefront of the industry. Therefore, this paper selects the insurance e-commerce of PICC as the research object to formulate the development strategy. At present, about 90% insurance companies in China have opened their own official website. However, the main content is limited to introducing products, introducing the background of the company, communicating with customers online, promoting themselves, and so on. Among them, some insurance companies also open online insurance business. However, only the online insurance and payment, and online claims and other extension services are not universal. Therefore, at this stage, in order to adapt to the competition in the era of e-commerce, insurance companies should redefine the design of insurance products. Information interaction, supporting services, advertising and redistribution of benefits. These are of great practical significance to any insurance company. The purpose of this paper is to study and analyze the current e-commerce situation of PICC Quanzhou Branch. In order to sum up its current e-commerce implementation of e-commerce achievements and encountered problems, on this basis, the use of management knowledge, information technology knowledge and e-commerce knowledge. This paper puts forward the countermeasures of developing the electronic commerce of PICC Quanzhou Branch, and probes into the electronic commerce scheme suitable for the present situation of the company. Through the research process of this paper, it can also improve the performance of state-owned traditional large insurance enterprises through e-commerce. Make customer service more humanized, make management more scientific to provide certain reference.
【學(xué)位授予單位】：華僑大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F842.3;F724.6

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