摘要：近年来，随着我国经济的不断增长，保险业发展方式正在逐步转变，网络保险作为一种新兴的营销方式，具有许多传统营销方式所不具备的优点，我国保险业整体落后于发达国家，网络保险的差距更大。因此，国内的保险公司有必要积极准备，不断创新、积极应变，通过加大对网络保险建设的投入、深化网络保险的应用水平，利用技术优势，开发更多适合于网络交易的险种，紧跟网络经济的潮流，提高企业竞争力，这样才能在竞争中处于优势地位。同时，国家和政府有关部门应该借鉴国外优秀的成果，尽快制定出有关整个网络保险特有的的法律、法规和政策、规范，以保证网上交易的安全性和可靠性，以促进我国网络保险业的发展。本文通过分析目前国内网络保险的发展现状，针对其存在的问题，提出关于我国网络保险发展的相关对策。

关键词：网络保险 运行模式 成因分析 发展对策

Abstract：In the recent years, with the increasing growth of China’s economy, the mode of development of the insurance industry is gradually turning,  Net insurance as a new marketing approach, with many of the traditional marketing methods do not have advantages, China's insurance industry lags behind that of developed countries, the gap larger network insurance. Therefore, the domestic insurance companies must prepare actively, actively, innovate ceaselessly, through increasing pair of network insurance construction investment, deepening of network insurance application level, the development of more suitable for network transaction types, using the technical advantages, closely follow the trend of the network economy, enhance the competitiveness of enterprises, so that we can in the competition in an advantageous position. At the same time, the state and the relevant government departments should profit from the overseas outstanding achievement, make out the entire network insurance special laws, regulations and policies, norms, in order to ensure the safety and reliability of online transactions, in order to promote the development of Internet insurance in china. In this paper, through the analysis of the current domestic network insurance development present situation, in view of the existence question, proposed on China Network Insurance Development countermeasures.

Keywords：Network insurance; Operation mode; Problem analysis; Development countermeasure