互联网保险公司盈利困境及其化解

近几年来，互联网保险市场规模发展迅猛，成为拉动我国保费增长的重要驱动力，但是伴随着互联网保费规模的增长，并没有带来利润的增长，其原因在于：（1）目前互联网保险公司产品结构和线下服务存在缺陷，保费增长速度受限；（2）定价风险大，单均保费低；（3）过分依赖第三方平台，保费收入和渠道成本双层受压；（4）投资环境和投资结构受限，投资收益不稳定。对此，应提高长期险产品比重，完善线下服务；改变传统定价规则，充分运用保险科技合理定价；加大自身网络平台建设，降低合作成本；开拓投资渠道，加强资产负债匹配管理。

The Profit Dilemma of Internet Insurance Companies and Its Resolution

In recent years,the scale of the Internet insurance market has developed rapidly,which has become an important driving force for China's premium growth.However,with the growth of the Internet premium,it has not brought about profit growth.The reasons are as follows:(1) the current Internet insurance company's product structure and offline service are flawed;(2) the growth rate of premium is limited;(3) the pricing risk is large,while the single-average premium is low;(4) excessive dependence on the third-party platform makes the premium income and channel under double pressure;5) the investment environment and investment structure are limited,which makes investment income unstable.Therefore,we should increase the proportion of long-term insurance products,improve offline services;change traditional pricing rules,make full use of insurance technology and reasonable pricing;promote the construction of its own network platform to reduce cooperation costs;expand investment channels and strengthen asset-liability matching management.