摘要：随着我国经济的高速发展，居民保险意识的逐步提高及对国际市场的不断开放,我国保险发展的市场环境明显好转。特别是上海自贸区的建立，更使我国金融事业获得了新的发展契机。而保险作为三大金融支柱产业之一，在我国拥有了更为宽广的平台。与此同时，随着互联网技术的日益发展，电子商务作为一种新的商务模式在我国各行各业广泛应用并迅速发展，在经济发展与社会保障体系不断完善的背景下，保险业作为社会生活的中坚力量也逐渐在新领域与新技术方面不断创新。电子商务在保险业中的应用降低了成本，增加了保险机会，提高了赔付效率。全球经济环境的变化也使我国的保险行业面临着大量的机会和巨大的挑战。

关键词：保险 电子商务 保险电子商务 创新

Abstract: With the rapid development of China's economy, the gradual improvement of the residents' awareness of insurance and the international market constantly open up, our country insurance market environment for the development of improved markedly. Especially the establishment of the Shanghai free trade zone, makes our country financial enterprise to obtain the new development opportunity. And as one of the three major financial pillar industry, insurance in our country have a wider platform. At the same time, with the development of Internet technology, electronic commerce as a new business model is widely used in all walks of life and the rapid development in our country, its tentacles also has extended to social fields, the insurance industry as the backbone of the social life also gradually in new areas and new technology innovation. E-commerce application in the insurance industry to reduce the cost, increases the chances of insurance, improve the efficiency of the claims. The change of the global economic environment also makes our country's insurance industry is facing a lot of opportunities and great challenges.  

Key words: Insurance e-commerce e-commerce innovation