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新老险企角逐“白热化”,互联网保险为何会成“香饽饽”?

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新老险企角逐“白热化”,互联网保险为何会成“香饽饽”?

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正文:

你[ni]在[zai]网[wang]上[shang]买[mai]过[guo]保[bao]险[xian]吗[ma]?近[jin]几[ji]年[nian]来[lai],相[xiang]互[hu]保[bao]等[deng]一[yi]众[zhong]互[hu]联[lian]网[wang]保[bao]险[xian]产[chan]品[pin]逐[zhu]渐[jian]兴[xing]起[qi]。打[da]开[kai]支[zhi]付[fu]宝[bao],各[ge]色[se]的[de]保[bao]险[xian]产[chan]品[pin]层[ceng]出[chu]不[bu]穷[qiong],互[hu]联[lian]网[wang]保[bao]险[xian]已[yi]经[jing]成[cheng]为[wei]了[liao]当[dang]代[dai]年[nian]轻[qing]人[ren]最[zui]受[shou]欢[huan]迎[ying]的[de]保[bao]险[xian]产[chan]品[pin]。那[na]么[me],互[hu]联[lian]网[wang]化[hua]之[zhi]后[hou],保[bao]险[xian]行[xing]业[ye]又[you]是[shi]否[fu]会[hui]迎[ying]来[lai]新[xin]的[de]一[yi]波[bo]发[fa]展[zhan]热[re]潮[chao]呢[ne]?还[huai]未[wei]适[shi]应[ying]时[shi]代[dai]的[de]传[chuan]统[tong]保[bao]险[xian]行[xing]业[ye],被[bei]疫[yi]情[qing]"推[tui]"着[zhou]向[xiang]前[qian]作[zuo]为[wei]三[san]大[da]金[jin]融[rong]产[chan]业[ye]的[de]保[bao]险[xian]业[ye],一[yi]直[zhi]以[yi]来[lai]保[bao]持[chi]着[zhou]保[bao]守[shou]的[de]发[fa]展[zhan]模[mo]式[shi]。在[zai]进[jin]入[ru]互[hu]联[lian]网[wang]时[shi]代[dai]之[zhi]后[hou],各[ge]个[ge]传[chuan]统[tong]保[bao]险[xian]公[gong]司[si]都[du]没[mei]有[you]察[cha]觉[jue]这[zhe]一[yi]风[feng]向[xiang],未[wei]能[nen]在[zai]互[hu]联[lian]网[wang]化[hua]初[chu]期[qi]就[jiu]抓[zhua]住[zhu]这[zhe]一[yi]风[feng]口[kou]。直[zhi]到[dao]互[hu]联[lian]网[wang]金[jin]融[rong]的[de]出[chu]现[xian],互[hu]联[lian]网[wang]金[jin]融[rong]的[de]快[kuai]速[su]发[fa]展[zhan]也[ye]带[dai]动[dong]了[liao]各[ge]个[ge]传[chuan]统[tong]行[xing]业[ye]的[de]互[hu]联[lian]网[wang]化[hua],而[er]保[bao]险[xian]业[ye]也[ye]终[zhong]于[yu]随[sui]着[zhou]这[zhe]波[bo]浪[lang]潮[chao]而[er]开[kai]始[shi]向[xiang]着[zhou]互[hu]联[lian]化[hua]发[fa]展[zhan]。不[bu]过[guo],实[shi]际[ji]上[shang]当[dang]前[qian]的[de]各[ge]个[ge]传[chuan]统[tong]保[bao]险[xian]企[qi]业[ye]仍[reng]然[ran]未[wei]能[nen]适[shi]应[ying]不[bu]断[duan]加[jia]速[su]发[fa]展[zhan]的[de]互[hu]联[lian]网[wang]时[shi]代[dai],虽[sui]然[ran]它[ta]们[men]纷[fen]纷[fen]推[tui]出[chu]了[liao]与[yu]互[hu]联[lian]网[wang]接[jie]轨[gui]的[de]保[bao]险[xian]产[chan]品[pin],也[ye]建[jian]立[li]起[qi]了[liao]IT部[bu]门[men]来[lai]搭[da]建[jian]自[zi]己[ji]的[de]互[hu]联[lian]网[wang]平[ping]台[tai],但[dan]是[shi]它[ta]们[men]仍[reng]然[ran]对[dui]于[yu]传[chuan]统[tong]的[de]商[shang]业[ye]模[mo]式[shi]保[bao]持[chi]着[zhou]高[gao]度[du]的[de]依[yi]赖[lai]性[xing]。据[ju]保[bao]险[xian]协[xie]会[hui]的[de]统[tong]计[ji]数[shu]据[ju]显[xian]示[shi],年[nian]互[hu]联[lian]网[wang]人[ren]身[shen]保[bao]险[xian]实[shi]现[xian]了[liao]触[chu]底[di]反[fan]弹[dan],保[bao]费[fei]规[gui]模[mo]达[da]到[dao]了[liao].亿[yi]元[yuan],刷[shua]新[xin]了[liao]新[xin]高[gao]。但[dan]是[shi]相[xiang]对[dui]于[yu]年[nian]全[quan]年[nian]总[zong]共[gong]约[yue]三[san]万[wan]亿[yi]元[yuan]的[de]人[ren]身[shen]保[bao]险[xian]保[bao]费[fei]收[shou]入[ru]来[lai]说[shuo],这[zhe]一[yi]数[shu]字[zi]还[huai]不[bu]够[gou]看[kan]。目[mu]前[qian]来[lai]说[shuo],保[bao]险[xian]行[xing]业[ye]虽[sui]然[ran]还[huai]未[wei]能[nen]适[shi]应[ying]这[zhe]一[yi]个[ge]时[shi]代[dai],但[dan]疫[yi]情[qing]的[de]出[chu]现[xian]推[tui]着[zhou]保[bao]险[xian]业[ye]向[xiang]着[zhou]互[hu]联[lian]网[wang]化[hua]前[qian]进[jin]。传[chuan]统[tong]保[bao]险[xian]业[ye]主[zhu]要[yao]依[yi]靠[kao]着[zhou]保[bao]险[xian]代[dai]理[li]人[ren]来[lai]进[jin]行[xing]线[xian]下[xia]业[ye]务[wu]的[de]发[fa]展[zhan],由[you]银[yin]保[bao]监[jian]会[hui]所[suo]公[gong]布[bu]的[de]数[shu]据[ju]显[xian]示[shi],保[bao]险[xian]代[dai]理[li]人[ren]的[de]线[xian]下[xia]签[qian]单[dan]模[mo]式[shi]是[shi]保[bao]险[xian]行[xing]业[ye]最[zui]为[wei]重[zhong]要[yao]的[de]收[shou]入[ru]渠[qu]道[dao],线[xian]下[xia]市[shi]场[chang]占[zhan]据[ju]了[liao]超[chao]过[guo]成[cheng]的[de]收[shou]入[ru]。受[shou]到[dao]新[xin]冠[guan]肺[fei]炎[yan]的[de]冲[chong]击[ji],这[zhe]些[xie]线[xian]下[xia]业[ye]务[wu]被[bei]迫[po]中[zhong]断[duan],仓[cang]促[chun]之[zhi]下[xia]转[zhuan]移[yi]至[zhi]线[xian]上[shang]业[ye]务[wu]无[wu]法[fa]很[hen]快[kuai]的[de]恢[hui]复[fu]业[ye]绩[ji]。因[yin]此[ci]为[wei]了[liao]保[bao]住[zhu]工[gong]作[zuo],这[zhe]部[bu]分[fen]代[dai]理[li]人[ren]纷[fen]纷[fen]开[kai]始[shi]将[jiang]自[zi]己[ji]的[de]业[ye]务[wu]转[zhuan]向[xiang]线[xian]上[shang]发[fa]展[zhan],这[zhe]加[jia]速[su]了[liao]保[bao]险[xian]行[xing]业[ye]的[de]数[shu]字[zi]化[hua]转[zhuan]型[xing]。互[hu]联[lian]网[wang]化[hua]之[zhi]后[hou],互[hu]联[lian]网[wang]巨[ju]头[tou]虎[hu]视[shi]眈[dan]眈[dan]在[zai]传[chuan]统[tong]保[bao]险[xian]行[xing]业[ye]加[jia]速[su]互[hu]联[lian]网[wang]化[hua]之[zhi]时[shi],各[ge]大[da]互[hu]联[lian]网[wang]巨[ju]头[tou]早[zao]已[yi]窥[kui]视[shi]着[zhou]这[zhe]一[yi]庞[pang]大[da]的[de]寿[shou]险[xian]市[shi]场[chang]。借[jie]助[zhu]于[yu]自[zi]身[shen]的[de]互[hu]联[lian]网[wang]属[shu]性[xing],他[ta]们[men]在[zai]互[hu]联[lian]网[wang]保[bao]险[xian]的[de]进[jin]度[du]上[shang]远[yuan]远[yuan]领[ling]先[xian]于[yu]传[chuan]统[tong]保[bao]险[xian]企[qi]业[ye]。在[zai]月[yue]日[ri]由[you]胡[hu]润[run]研[yan]究[jiu]院[yuan]所[suo]发[fa]布[bu]的[de]《中[zhong]国[guo]互[hu]联[lian]网[wang]保[bao]险[xian]中[zhong]介[jie]服[fu]务[wu]平[ping]台[tai]Top》榜[bang]单[dan]上[shang]可[ke]以[yi]看[kan]到[dao],腾[teng]讯[xun]旗[qi]下[xia]保[bao]险[xian]代[dai]理[li]平[ping]台[tai]微[wei]保[bao]位[wei]列[lie]榜[bang]首[shou],阿[a]里[li]的[de]蚂[ma]蚁[yi]集[ji]团[tuan]旗[qi]下[xia]蚂[ma]蚁[yi]保[bao]险[xian]位[wei]列[lie]第[di]二[er],轻[qing]松[song]筹[chou]公[gong]司[si]的[de]轻[qing]松[song]保[bao]严[yan]选[xuan]位[wei]居[ji]第[di]三[san]。在[zai]这[zhe]一[yi]份[fen]榜[bang]单[dan]上[shang],没[mei]有[you]一[yi]家[jia]是[shi]传[chuan]统[tong]保[bao]险[xian]公[gong]司[si]旗[qi]下[xia]的[de]平[ping]台[tai],各[ge]大[da]互[hu]联[lian]网[wang]巨[ju]头[tou]平[ping]台[tai]占[zhan]据[ju]了[liao]这[zhe]份[fen]榜[bang]单[dan]近[jin]九[jiu]成[cheng]。而[er]在[zai]这[zhe]份[fen]榜[bang]单[dan]上[shang]可[ke]以[yi]看[kan]出[chu],进[jin]军[jun]互[hu]联[lian]网[wang]保[bao]险[xian]的[de]大[da]多[duo]都[du]是[shi]拥[yong]有[you]着[zhou]庞[pang]大[da]流[liu]量[liang]平[ping]台[tai]的[de]互[hu]联[lian]网[wang]企[qi]业[ye],如[ru]拥[yong]有[you]支[zhi]付[fu]宝[bao]的[de]蚂[ma]蚁[yi]集[ji]团[tuan]、微[wei]信[xin]的[de]腾[teng]讯[xun]和[he]水[shui]滴[di]筹[chou]的[de]轻[qing]松[song]筹[chou],他[ta]们[men]最[zui]大[da]的[de]特[te]征[zheng]就[jiu]是[shi]有[you]着[zhou]巨[ju]大[da]的[de]流[liu]量[liang]和[he]庞[pang]大[da]的[de]用[yong]户[hu]群[qun]体[ti],这[zhe]使[shi]得[de]他[ta]们[men]能[nen]够[gou]接[jie]触[chu]到[dao]传[chuan]统[tong]保[bao]险[xian]企[qi]业[ye]线[xian]下[xia]签[qian]单[dan]模[mo]式[shi]所[suo]不[bu]能[nen]接[jie]触[chu]到[dao]的[de]更[geng]多[duo]用[yong]户[hu],这[zhe]使[shi]得[de]他[ta]们[men]相[xiang]较[jiao]而[er]言[yan]占[zhan]据[ju]了[liao]显[xian]著[zhu]的[de]优[you]势[shi]。但[dan]相[xiang]对[dui]而[er]言[yan],传[chuan]统[tong]保[bao]险[xian]企[qi]业[ye]也[ye]并[bing]非[fei]没[mei]有[you]机[ji]会[hui]。在[zai]以[yi]寿[shou]险[xian]、医[yi]疗[liao]健[jian]康[kang]险[xian]等[deng]额[e]度[du]较[jiao]大[da]的[de]保[bao]险[xian]产[chan]品[pin]上[shang],由[you]于[yu]需[xu]要[yao]与[yu]线[xian]下[xia]的[de]一[yi]些[xie]平[ping]台[tai]资[zi]源[yuan]进[jin]行[xing]对[dui]接[jie]和[he]配[pei]合[he],因[yin]此[ci]各[ge]大[da]互[hu]联[lian]网[wang]保[bao]险[xian]平[ping]台[tai]在[zai]这[zhe]一[yi]方[fang]面[mian]的[de]资[zi]源[yuan]较[jiao]弱[ruo],而[er]专[zhuan]注[zhu]于[yu]线[xian]下[xia]多[duo]年[nian]的[de]传[chuan]统[tong]险[xian]企[qi]则[ze]经[jing]验[yan]丰[feng]富[fu],这[zhe]也[ye]是[shi]为[wei]何[he]传[chuan]统[tong]保[bao]险[xian]企[qi]业[ye]互[hu]联[lian]网[wang]转[zhuan]型[xing]较[jiao]慢[man]的[de]因[yin]素[su]之[zhi]一[yi]。向[xiang]互[hu]联[lian]网[wang]化[hua]转[zhuan]型[xing],阻[zu]碍[ai]尚[shang]存[cun]对[dui]于[yu]保[bao]险[xian]行[xing]业[ye]来[lai]说[shuo],向[xiang]互[hu]联[lian]网[wang]化[hua]转[zhuan]型[xing]存[cun]在[zai]着[zhou]诸[zhu]多[duo]的[de]阻[zu]碍[ai]。由[you]于[yu]互[hu]联[lian]网[wang]保[bao]险[xian]的[de]起[qi]步[bu]时[shi]间[jian]相[xiang]对[dui]较[jiao]早[zao],因[yin]此[ci]缺[que]乏[fa]完[wan]善[shan]的[de]行[xing]业[ye]规[gui]范[fan]。相[xiang]较[jiao]于[yu]传[chuan]统[tong]保[bao]险[xian]来[lai]说[shuo],互[hu]联[lian]网[wang]保[bao]险[xian]才[cai]刚[gang]刚[gang]起[qi]步[bu],因[yin]此[ci]缺[que]乏[fa]普[pu]适[shi]的[de]行[xing]业[ye]经[jing]验[yan],这[zhe]就[jiu]使[shi]得[de]整[zheng]个[ge]行[xing]业[ye]缺[que]乏[fa]统[tong]一[yi]的[de]规[gui]范[fan]和[he]业[ye]务[wu]流[liu]程[cheng]。比[bi]如[ru]在[zai]签[qian]约[yue]保[bao]险[xian]之[zhi]时[shi],有[you]的[de]互[hu]联[lian]网[wang]保[bao]险[xian]平[ping]台[tai]会[hui]要[yao]求[qiu]客[ke]户[hu]进[jin]行[xing]签[qian]字[zi],而[er]有[you]的[de]平[ping]台[tai]则[ze]只[zhi]需[xu]要[yao]手[shou]机[ji]验[yan]证[zheng]码[ma],甚[shen]至[zhi]有[you]的[de]平[ping]台[tai]什[shi]么[me]都[du]不[bu]要[yao],用[yong]户[hu]直[zhi]接[jie]点[dian]击[ji]确[que]认[ren]即[ji]可[ke]。此[ci]外[wai],在[zai]核[he]保[bao]、理[li]赔[pei]等[deng]关[guan]键[jian]环[huan]节[jie],各[ge]个[ge]平[ping]台[tai]的[de]规[gui]则[ze]也[ye]不[bu]尽[jin]相[xiang]同[tong]。混[hun]乱[luan]的[de]流[liu]程[cheng]、不[bu]同[tong]的[de]认[ren]证[zheng]标[biao]准[zhun]等[deng]问[wen]题[ti],这[zhe]对[dui]于[yu]投[tou]保[bao]人[ren]和[he]保[bao]险[xian]企[qi]业[ye]来[lai]说[shuo]都[du]具[ju]有[you]较[jiao]大[da]的[de]隐[yin]患[huan]。其[qi]次[ci]是[shi]用[yong]户[hu]对[dui]于[yu]互[hu]联[lian]网[wang]保[bao]险[xian]的[de]适[shi]应[ying]程[cheng]度[du]还[huai]较[jiao]低[di]。虽[sui]然[ran]各[ge]类[lei]互[hu]联[lian]网[wang]保[bao]险[xian]产[chan]品[pin]层[ceng]出[chu]不[bu]穷[qiong],但[dan]是[shi]实[shi]际[ji]上[shang]选[xuan]择[ze]这[zhe]些[xie]产[chan]品[pin]的[de]用[yong]户[hu]还[huai]处[chu]在[zai]较[jiao]小[xiao]比[bi]例[li],更[geng]多[duo]的[de]用[yong]户[hu]还[huai]是[shi]倾[qing]向[xiang]于[yu]在[zai]传[chuan]统[tong]保[bao]险[xian]企[qi]业[ye]购[gou]买[mai]保[bao]险[xian],尤[you]其[qi]是[shi]寿[shou]险[xian]等[deng]一[yi]些[xie]大[da]额[e]险[xian]类[lei]产[chan]品[pin],毕[bi]竟[jing]相[xiang]较[jiao]互[hu]联[lian]网[wang]平[ping]台[tai],这[zhe]些[xie]企[qi]业[ye]资[zi]历[li]较[jiao]老[lao],因[yin]此[ci]在[zai]用[yong]户[hu]眼[yan]中[zhong]更[geng]加[jia]可[ke]靠[kao]。除[chu]此[ci]之[zhi]外[wai],互[hu]联[lian]网[wang]化[hua]意[yi]味[wei]着[zhou]将[jiang]会[hui]与[yu]大[da]数[shu]据[ju]进[jin]行[xing]融[rong]合[he]接[jie]轨[gui],这[zhe]就[jiu]会[hui]涉[she]及[ji]到[dao]针[zhen]对[dui]不[bu]同[tong]用[yong]户[hu]的[de]个[ge]性[xing]化[hua]推[tui]广[guang],这[zhe]将[jiang]会[hui]带[dai]来[lai]涉[she]及[ji]用[yong]户[hu]隐[yin]私[si]的[de]问[wen]题[ti],同[tong]时[shi]还[huai]可[ke]能[nen]遭[zao]到[dao]用[yong]户[hu]的[de]抵[di]制[zhi]与[yu]反[fan]感[gan]。传[chuan]统[tong]保[bao]险[xian]企[qi]业[ye]轻[qing]视[shi]互[hu]联[lian]网[wang]保[bao]险[xian]的[de]态[tai]度[du]也[ye]在[zai]一[yi]定[ding]程[cheng]度[du]上[shang]影[ying]响[xiang]到[dao]了[liao]互[hu]联[lian]网[wang]化[hua]的[de]进[jin]程[cheng]。目[mu]前[qian]各[ge]大[da]互[hu]联[lian]网[wang]企[qi]业[ye]纷[fen]纷[fen]挤[ji]入[ru]保[bao]险[xian]行[xing]业[ye],欲[yu]分[fen]食[shi]这[zhe]一[yi]块[kuai]巨[ju]大[da]的[de]蛋[dan]糕[gao],但[dan]这[zhe]些[xie]平[ping]台[tai]经[jing]验[yan]不[bu]足[zu],同[tong]时[shi]相[xiang]较[jiao]于[yu]传[chuan]统[tong]保[bao]险[xian]企[qi]业[ye]体[ti]量[liang]较[jiao]小[xiao],对[dui]保[bao]险[xian]行[xing]业[ye]的[de]互[hu]联[lian]网[wang]化[hua]进[jin]程[cheng]的[de]影[ying]响[xiang]力[li]也[ye]较[jiao]低[di]。由[you]于[yu]传[chuan]统[tong]保[bao]险[xian]企[qi]业[ye]仍[reng]然[ran]主[zhu]要[yao]依[yi]靠[kao]着[zhou]线[xian]下[xia]业[ye]务[wu],因[yin]此[ci]在[zai]短[duan]期[qi]内[na]不[bu]能[nen]带[dai]来[lai]显[xian]著[zhu]收[shou]益[yi]的[de]线[xian]上[shang]业[ye]务[wu]被[bei]这[zhe]些[xie]企[qi]业[ye]轻[qing]视[shi],这[zhe]也[ye]使[shi]得[de]互[hu]联[lian]网[wang]保[bao]险[xian]的[de]发[fa]展[zhan]进[jin]程[cheng]遭[zao]到[dao]了[liao]阻[zu]碍[ai]。诸[zhu]多[duo]因[yin]素[su]的[de]阻[zu]碍[ai]之[zhi]下[xia],保[bao]险[xian]行[xing]业[ye]的[de]互[hu]联[lian]网[wang]化[hua]一[yi]直[zhi]处[chu]于[yu]缓[huan]慢[man]的[de]前[qian]进[jin]状[zhuang]态[tai]。保[bao]险[xian]行[xing]业[ye]的[de]互[hu]联[lian]网[wang]之[zhi]路[lu]将[jiang]如[ru]何[he]走[zou]?在[zai]不[bu]断[duan]加[jia]速[su]发[fa]展[zhan]之[zhi]中[zhong],建[jian]立[li]起[qi]统[tong]一[yi]的[de]行[xing]业[ye]标[biao]准[zhun]是[shi]保[bao]险[xian]行[xing]业[ye]互[hu]联[lian]网[wang]化[hua]发[fa]展[zhan]进[jin]程[cheng]之[zhi]中[zhong]最[zui]需[xu]要[yao]重[zhong]视[shi]的[de]一[yi]个[ge]方[fang]向[xiang]。保[bao]险[xian]行[xing]业[ye]的[de]互[hu]联[lian]网[wang]化[hua]进[jin]程[cheng]正[zheng]是[shi]在[zai]金[jin]融[rong]行[xing]业[ye]互[hu]联[lian]网[wang]化[hua]之[zhi]后[hou]而[er]开[kai]启[qi]的[de]。在[zai]互[hu]联[lian]网[wang]金[jin]融[rong]发[fa]展[zhan]初[chu]期[qi],以[yi]第[di]三[san]方[fang]支[zhi]付[fu]平[ping]台[tai]为[wei]代[dai]表[biao]的[de]在[zai]线[xian]支[zhi]付[fu]产[chan]业[ye]乱[luan]象[xiang]横[heng]生[sheng]。在[zai]这[zhe]其[qi]中[zhong],以[yi]"二[er]清[qing]"问[wen]题[ti]最[zui]为[wei]突[tu]出[chu],大[da]量[liang]没[mei]有[you]支[zhi]付[fu]牌[pai]照[zhao]的[de]机[ji]构[gou]与[yu]持[chi]牌[pai]机[ji]构[gou]合[he]作[zuo],即[ji]持[chi]牌[pai]收[shou]单[dan]机[ji]构[gou]先[xian]清[qing]算[suan]给[gei]这[zhe]些[xie]公[gong]司[si],这[zhe]些[xie]公[gong]司[si]再[zai]清[qing]算[suan]给[gei]商[shang]户[hu],这[zhe]也[ye]为[wei]整[zheng]个[ge]在[zai]线[xian]支[zhi]付[fu]行[xing]业[ye]带[dai]来[lai]了[liao]极[ji]大[da]的[de]隐[yin]患[huan]。此[ci]前[qian]微[wei]盟[meng]、拼[pin]多[duo]多[duo]都[du]曾[zeng]经[jing]陷[xian]入[ru]了[liao]"平[ping]台[tai]二[er]清[qing]"的[de]漩[xuan]涡[wo],遭[zao]到[dao]严[yan]重[zhong]质[zhi]疑[yi]。当[dang]时[shi]两[liang]者[zhe]分[fen]别[bie]都[du]准[zhun]备[bei]进[jin]行[xing]上[shang]市[shi],因[yin]此[ci]这[zhe]一[yi]问[wen]题[ti]在[zai]一[yi]定[ding]程[cheng]度[du]上[shang]影[ying]响[xiang]到[dao]了[liao]两[liang]者[zhe]的[de]上[shang]市[shi]进[jin]程[cheng]。在[zai]经[jing]历[li]了[liao]行[xing]业[ye]乱[luan]象[xiang]丛[cong]生[sheng]之[zhi]后[hou],随[sui]着[zhou]行[xing]业[ye]不[bu]断[duan]向[xiang]前[qian]推[tui]进[jin],网[wang]联[lian]的[de]建[jian]立[li]和[he]支[zhi]付[fu]清[qing]算[suan]牌[pai]照[zhao]颁[ban]发[fa]的[de]趋[qu]严[yan],整[zheng]个[ge]行[xing]业[ye]逐[zhu]渐[jian]走[zou]向[xiang]规[gui]范[fan]和[he]成[cheng]熟[shu]。互[hu]联[lian]网[wang]保[bao]险[xian]产[chan]业[ye]当[dang]前[qian]正[zheng]在[zai]经[jing]历[li]着[zhou]与[yu]在[zai]线[xian]支[zhi]付[fu]产[chan]业[ye]相[xiang]同[tong]的[de]道[dao]路[lu],在[zai]不[bu]断[duan]的[de]发[fa]展[zhan]之[zhi]中[zhong]完[wan]善[shan]各[ge]项[xiang]规[gui]则[ze]和[he]标[biao]准[zhun],建[jian]立[li]起[qi]统[tong]一[yi]的[de]行[xing]业[ye]标[biao]准[zhun],这[zhe]不[bu]仅[jin]能[nen]够[gou]保[bao]障[zhang]整[zheng]个[ge]行[xing]业[ye]的[de]稳[wen]步[bu]发[fa]展[zhan],同[tong]时[shi]也[ye]能[nen]帮[bang]助[zhu]其[qi]加[jia]速[su]互[hu]联[lian]网[wang]化[hua]。加[jia]深[shen]与[yu]科[ke]技[ji]技[ji]术[shu]的[de]融[rong]合[he]也[ye]将[jiang]会[hui]是[shi]其[qi]未[wei]来[lai]发[fa]展[zhan]的[de]重[zhong]点[dian]。在[zai]选[xuan]择[ze]保[bao]险[xian]产[chan]品[pin]之[zhi]时[shi],最[zui]为[wei]困[kun]难[nan]的[de]就[jiu]是[shi]如[ru]何[he]选[xuan]购[gou]符[fu]合[he]自[zi]身[shen]需[xu]求[qiu]的[de]产[chan]品[pin],借[jie]助[zhu]于[yu]大[da]数[shu]据[ju]以[yi]及[ji]AI技[ji]术[shu],通[tong]过[guo]与[yu]互[hu]联[lian]网[wang]保[bao]险[xian]平[ping]台[tai]的[de]流[liu]量[liang]数[shu]据[ju]相[xiang]结[jie]合[he],能[nen]够[gou]实[shi]现[xian]更[geng]加[jia]精[jing]准[zhun]的[de]产[chan]品[pin]推[tui]送[song],这[zhe]将[jiang]能[nen]够[gou]为[wei]用[yong]户[hu]提[ti]供[gong]更[geng]佳[jia]的[de]产[chan]品[pin]选[xuan]购[gou]体[ti]验[yan]。还[huai]有[you]保[bao]险[xian]产[chan]品[pin]的[de]定[ding]制[zhi]上[shang],借[jie]助[zhu]这[zhe]些[xie]技[ji]术[shu]将[jiang]能[nen]够[gou]搭[da]配[pei]出[chu]更[geng]加[jia]合[he]理[li]的[de]产[chan]品[pin],在[zai]即[ji]能[nen]够[gou]符[fu]合[he]更[geng]多[duo]用[yong]户[hu]的[de]需[xu]求[qiu]之[zhi]下[xia],同[tong]时[shi]也[ye]能[nen]够[gou]为[wei]企[qi]业[ye]带[dai]来[lai]更[geng]大[da]的[de]利[li]润[run]。在[zai]与[yu]大[da]数[shu]据[ju]和[he]AI技[ji]术[shu]融[rong]合[he]中[zhong]表[biao]现[xian]显[xian]著[zhu]的[de]保[bao]险[xian]科[ke]技[ji]企[qi]业[ye]Lemonade就[jiu]是[shi]这[zhe]样[yang]一[yi]个[ge]最[zui]好[hao]的[de]例[li]子[zi],作[zuo]为[wei]全[quan]球[qiu]保[bao]险[xian]科[ke]技[ji]独[du]角[jiao]兽[shou]的[de]Lemonade,它[ta]没[mei]有[you]任[ren]何[he]保[bao]险[xian]代[dai]理[li]人[ren],完[wan]全[quan]依[yi]靠[kao]纯[chun]线[xian]上[shang]的[de]模[mo]式[shi]获[huo]客[ke]、投[tou]保[bao]、查[cha]询[xun]和[he]理[li]赔[pei],在[zai]投[tou]保[bao]、理[li]赔[pei]和[he]客[ke]户[hu]服[fu]务[wu]中[zhong]应[ying]用[yong]AI机[ji]器[qi]人[ren]代[dai]替[ti]人[ren]工[gong]服[fu]务[wu],大[da]大[da]降[jiang]低[di]了[liao]保[bao]费[fei]成[cheng]本[ben]。就[jiu]依[yi]靠[kao]着[zhou]这[zhe]一[yi]模[mo]式[shi],Lemonade成[cheng]功[gong]在[zai]纽[niu]交[jiao]所[suo]上[shang]市[shi],市[shi]值[zhi]达[da]到[dao].亿[yi]美[mei]元[yuan]。建[jian]立[li]起[qi]行[xing]业[ye]标[biao]准[zhun],拥[yong]抱[bao]大[da]数[shu]据[ju]及[ji]AI技[ji]术[shu],这[zhe]将[jiang]会[hui]是[shi]未[wei]来[lai]互[hu]联[lian]网[wang]保[bao]险[xian]的[de]必[bi]经[jing]之[zhi]路[lu]。虽[sui]然[ran]这[zhe]一[yi]路[lu]途[tu]之[zhi]中[zhong]可[ke]能[nen]难[nan]免[mian]会[hui]遭[zao]遇[yu]诸[zhu]多[duo]阻[zu]碍[ai],但[dan]是[shi]总[zong]体[ti]来[lai]看[kan],未[wei]来[lai]可[ke]期[qi]。互[hu]联[lian]网[wang]化[hua],究[jiu]竟[jing]是[shi]否[fu]会[hui]是[shi]保[bao]险[xian]行[xing]业[ye]的[de]未[wei]来[lai]?从[cong]各[ge]个[ge]方[fang]面[mian]来[lai]看[kan],互[hu]联[lian]网[wang]化[hua]一[yi]定[ding]会[hui]是[shi]保[bao]险[xian]行[xing]业[ye]未[wei]来[lai]发[fa]展[zhan]的[de]大[da]趋[qu]势[shi]。在[zai]马[ma]克[ke]思[si]的[de]《资[zi]本[ben]论[lun]》中[zhong]有[you]一[yi]段[duan]对[dui]于[yu]资[zi]本[ben]的[de]著[zhu]名[ming]描[miao]述[shu]:"一[yi]有[you]适[shi]当[dang]的[de]利[li]润[run],资[zi]本[ben]就[jiu]会[hui]非[fei]常[chang]胆[dan]壮[zhuang]起[qi]来[lai]。只[zhi]要[yao]有[you]%的[de]利[li]润[run],它[ta]就[jiu]会[hui]到[dao]处[chu]被[bei]人[ren]使[shi]用[yong];有[you]%,就[jiu]会[hui]活[huo]泼[po]起[qi]来[lai];有[you]%,就[jiu]会[hui]引[yin]起[qi]积[ji]极[ji]的[de]冒[mao]险[xian];有[you]%,就[jiu]会[hui]使[shi]人[ren]不[bu]顾[gu]一[yi]切[qie]法[fa]律[lv];有[you]%,就[jiu]会[hui]使[shi]人[ren]不[bu]怕[pa]犯[fan]罪[zui],甚[shen]至[zhi]不[bu]怕[pa]绞[jiao]首[shou]的[de]危[wei]险[xian]。"这[zhe]一[yi]段[duan]其[qi]实[shi]引[yin]用[yong]自[zi]英[ying]国[guo]评[ping]论[lun]家[jia]邓[deng]宁[ning]格[ge]的[de]话[hua],不[bu]过[guo]这[zhe]段[duan]描[miao]述[shu]过[guo]于[yu]负[fu]面[mian],意[yi]思[si]是[shi]资[zi]本[ben]会[hui]不[bu]择[ze]手[shou]段[duan]地[di]为[wei]自[zi]己[ji]攫[jue]取[qu]利[li]润[run]。而[er]用[yong]更[geng]加[jia]直[zhi]白[bai]的[de]话[hua]来[lai]说[shuo],就[jiu]是[shi]如[ru]果[guo]没[mei]有[you]钱[qian]赚[zhuan],资[zi]本[ben]是[shi]不[bu]会[hui]来[lai]的[de]。而[er]资[zi]本[ben]在[zai]近[jin]几[ji]年[nian]对[dui]于[yu]互[hu]联[lian]网[wang]保[bao]险[xian]的[de]偏[pian]好[hao]则[ze]不[bu]断[duan]升[sheng]温[wen],今[jin]年[nian]上[shang]半[ban]年[nian],即[ji]便[bian]是[shi]遭[zao]到[dao]了[liao]疫[yi]情[qing]的[de]大[da]幅[fu]冲[chong]击[ji],互[hu]联[lian]网[wang]保[bao]险[xian]行[xing]业[ye]仍[reng]然[ran]完[wan]成[cheng]了[liao]超[chao]过[guo]笔[bi]融[rong]资[zi]交[jiao]易[yi],总[zong]融[rong]资[zi]额[e]超[chao]过[guo].亿[yi]美[mei]元[yuan]。加[jia]上[shang]各[ge]大[da]互[hu]联[lian]网[wang]企[qi]业[ye]纷[fen]纷[fen]涌[yong]进[jin]互[hu]联[lian]网[wang]保[bao]险[xian]市[shi]场[chang],可[ke]以[yi]看[kan]出[chu],资[zi]本[ben]对[dui]于[yu]互[hu]联[lian]网[wang]保[bao]险[xian]是[shi]非[fei]常[chang]看[kan]好[hao]的[de]。资[zi]本[ben]为[wei]何[he]又[you]会[hui]看[kan]好[hao]互[hu]联[lian]网[wang]保[bao]险[xian]的[de]前[qian]景[jing],这[zhe]就[jiu]在[zai]于[yu]其[qi]将[jiang]互[hu]联[lian]网[wang]与[yu]保[bao]险[xian]的[de]结[jie]合[he]而[er]实[shi]现[xian]了[liao]更[geng]高[gao]的[de]销[xiao]量[liang]和[he]效[xiao]率[lv],而[er]与[yu]科[ke]技[ji]相[xiang]结[jie]合[he]是[shi]大[da]部[bu]分[fen]产[chan]业[ye]的[de]未[wei]来[lai]发[fa]展[zhan]方[fang]向[xiang],互[hu]联[lian]网[wang]保[bao]险[xian]正[zheng]是[shi]将[jiang]这[zhe]科[ke]技[ji]与[yu]保[bao]险[xian]两[liang]者[zhe]相[xiang]结[jie]合[he]的[de]产[chan]物[wu],它[ta]代[dai]表[biao]着[zhou]就[jiu]是[shi]保[bao]险[xian]行[xing]业[ye]的[de]未[wei]来[lai]。这[zhe]样[yang]来[lai]看[kan],保[bao]险[xian]产[chan]业[ye]搭[da]上[shang]这[zhe]一[yi]趟[theng]互[hu]联[lian]网[wang]化[hua]顺[shun]风[feng]车[che],势[shi]在[zai]必[bi]行[xing]。

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新老险企角逐“白热化”,互联网保险为何会成“香饽饽”?

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