网上银行与网上保险近两年在我国都有了一定的发展。其中,网上保险的经营模式(主要是网上投保阶段)是根据不同险种的特征决定网上经营的不同方式,对于容易标准化的险种(主要是产险),可以直接采用网上投保方式,而较为复杂的险种(主要是寿险险种),由于需要咨询或了解细节,网上的过程更类似于一种网上宣传。 Internet banking and online insurance in recent years have had some development in our country. Among them, the online insurance business model (mainly online insurance phase) is based on the characteristics of different types of insurance to determine the different ways of online business, easy to standardize the insurance (mainly property and casualty insurance), you can directly adopt online insurance, and more complex Insurance (mainly life insurance), due to the need to consult or understand the details, the online process is more similar to an online promotion.