Insurance industry fund matching method

Abstract

The invention discloses an insurance industry fund matching method, which comprises a full advance mode and a partial advance mode. The full advance mode comprises the following steps: S11, a fund party providing full insurance premium advance for a user who passes credit investigation; S12, the full insurance premium of the fund party being pad-funded to the virtual account of the payment platform of the broker company; S13, then the broker company importing the virtual account insurance premium into a payment platform entity account, and after the payment platform entity account receives thefull insurance premium, the broker company entity account importing the full insurance premium into an insurance company account; S14, the insurance company issuing an order after receiving the fullinsurance premium; S15, at the moment, the salesman charging full insurance premium to the user, and after the user pays, the fund returning to the fund party, so that a closed loop is formed. According to the invention, the user, the broker company, the insurance company and the fund party are closely combined, and the business mode is different from the traditional insurance mode, so that benefit maximization of the insurance company, the broker company and the fund party can be realized.

Description

technical field [0001] The invention relates to related fields of the insurance industry, in particular to a method for matching funds in the insurance industry. Background technique [0002] China is the second largest insurance market in the world, but there is still a significant gap between the insurance density and the world average. In 2018, the insurance industry's premium scale was 3.8 trillion yuan, an increase of less than 4%. The development of the Internet economy has brought growth to the insurance industry. In the large-scale market, professional Internet insurance companies on the supply side have grown rapidly, technology output and self-operated channel construction have empowered and helped, and a variety of innovative business models have been formed, with third-party platforms as the mainstay and official websites as the supplement. B2C, B2A, B2B2C and other innovative business models. Blooming everywhere, the rapid development of the Internet insurance ...

AI Technical Summary

Problems solved by technology

Blooming everywhere, the fast-growing Internet insurance industry has increasingly fierce competition. However, we are also thinking about some problems while expanding rapidly. The most typical problem is how to make investors a large number of capital sources, clustered customer channels and rich cooperation resources of insurance companies. The combination makes the three parties win-win and maximizes the benefits. At present, in various business models in the market, there is no new method that can effectively solve this problem

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