摘要：在网络飞速发展的今天，信息传递的过程已经超出了时间和空间的限制。从二十世纪九十年代到现在二十多年里，互联网以几何倍数增长，推动了一次全球范围内各种行业的网络化改革发展。这次网络化改革影响范围非常广泛，超过了人类历史上所有的技术革命。互联网不仅带来了巨大的网络市场和快速准确的信息传递，也带来了新的营销模式——网络营销。网络营销用一种以前从未有过的力量快速影响着现在的营销模式，并向传统经济模式发出了全面的挑战。“金融界沉睡的雄狮"——保险业，在这次网络化浪潮中也逐步从沉睡中觉醒，开始寻找互联网经济下的发展道路，因此保险网络营销这种崭新的营销模式诞生了。本文回顾了中国保险营销发展的历程保险接着提出保险营销创新变革——保险网络营销，通过学习国外保险业的经验，再比对我国国情，结合我国保险网络营销的现状，对保险网络营销在我国发展所遇到的三点挑战：需求供给、监管、安全逐一分析，提出自己对于我国保险网络营销发展的一些建议。

关键词：保险 网络营销 营销模式 挑战

Abstract:  Today, the rapid development of the network , the process of information transfer is beyond the limitations of time and space. From the 1990s to the present twenty years, the Internet to grow geometrically , and promote the reform and development of a network of various industries worldwide . The network -oriented reforms affect a very wide range , more than all the technological revolution in human history. Internet has not only brought huge network market and fast and accurate transmission of information , it also brings a new marketing model - network marketing. Internet marketing with a power never before quickly affect the current marketing model, and issued a comprehensive challenge the traditional economic model . " Financial sleeping lion" - the insurance industry is also gradually awakening in this wave of networking from a deep sleep , start looking for the road development of the Internet economy , and therefore the insurance network marketing this new marketing model was born. This paper reviews the development history of China Insurance insurance marketing insurance marketing innovative changes made then - Insurance Network Marketing , by learning from foreign experience in the insurance industry , and then compared to China's national conditions , combined with the status of China's insurance network marketing , network marketing in our insurance three challenges encountered in development : Demand supply , regulatory, safety one by one analysis, some of their suggestions for the development of China's insurance network marketing .

Keywords : Insurance  Network Marketing  marketing model  challenge