Abstract:The business model of the internet insurance shows the following financial characteristics: a small proportion of fixed assets, low asset-liability ratio, contextualized and fragmented insurance products, low channel cost and other financial features. At the same time, it also makes the internet insurance companies face more complex financial risks: over-reliance on the shareholders' equity funds of its internet insurance company, the increase in insurance product pricing, the narrowing of the profit space, fraudulent claim, and money laundering among other risks. In view of this situation, internet insurance companies should take the following measures: broadening the financing channels, optimizing the pricing of insurance products, improving the growth of premium income, reducing operational and cooperative costs, constructing the third party policy certification and risk assessment system, strengthening the standardized management of funds, and strengthening external regulation. |