大陸網路保險的實踐與反思

Online Insurance Practice in China: A Review and Discussion

1994年，大陸網路時代正式開啟。回觀最近十年，市場迎眾多利好，網路保險（以下簡稱網險）發展如春風化雨、水到渠成。但利之所在，害亦相隨，網險背後風險千樣百態。此外，網險領域以保險公司與網路公司為代表的兩大陣營對網險業務性質認識仍多歧異，致網險破立之間，進退維谷。是以，該論文以歷史觀與資料觀描繪大陸網險的全景圖，探索網險階段性困境與問題根源，並通過生態保險、科技保險與社交保險挑戰網險持續發展之議題。

Ever since 1994, the mainland China has begun venturing into the world of internet. The last decade saw the fast development of on-line insurance industry prompted by the onslaught of novel technologies, the flourishment of funding capital and the ever-expanding supporting policy options. In spite of the profits accruing to the insurers, on-line insurance may also beg questions of new-type risks that history provides us with little experience. Additionally, a divergence in the conception of on-line insurance between the insurers and the internet companies, the two major players that hold themselves out to be leaders in this market, seems to exist with on-line insurance actually taking on a different quality in the eyes of these two respective players, a serious impediment to further development of on-line insurance. Thus, this article, by looking back on history and relying on data, attempts to map the contours of on-line insurance in mainland China, to give a glimpse of its drivers, to identify its problems and to argue that ecological insurance, technology insurance and social media-based insurance together constitute the most realistic solutions. Hopefully, on-line insurance, borne in optimism, would not decline amid disappointment.