摘要
在資訊透明公幵的保險業，滿足社會公眾和廣大投資者的保險資訊需求，這是保險公司業務和拓展之初最基本的工作之一。在當下時代，如何更好地利用網路營銷吸引更多的.投資者，從而使保險交易金額上漲，這將是保險公司的工作重點。我國保險市場行銷發展相對緩慢，交易渠道相對狹窄，交易模式相對較少，如今隨著我國保險發展起來的勃勃生機，保險交易的發展在曲折中前進，雖取得了一些成績，但和歐美已開發國家保險業相比，仍屬於剛起步階段，不可同日而語。
如今要加強這方面的工作力度，就要在人力和資金方面給予足夠的投入。
本文在此基礎上總結出了我國保險交易存在的問題：銷售團隊建設、渠道鋪設，人力資源發展等問題、從資訊資訊釋出型向營銷服務型轉變的路徑不明、對現有客戶群體鎖定和進一步營銷力度不夠。同時在分析問題成因後，提出了的相應的解決方案，主要依靠目標市場行銷戰略、產品組合策略、保險費率策略、保險渠道營銷策略、保險促銷策略及營銷組織等策略細化市場，推行營銷服務，旨在依靠這些服務解除癥結，加強營銷力度，增強與客戶的互動，剷平影響保險網上交易的這三道溝渠。
本文最後強調了保險公司的文化建設方面的注意點、與客戶共贏共生的關鍵點及遵循保險銷售的法律法規的重要性。
關鍵詞：保險交易；渠道障礙；產品生命週期；組織營銷；渠道營銷
ABSTRACT
How to disseminates each kind of information about insurance operation in thehighly transparent investment insurances industry, which publicly to the investor and thesocial public, is each insurance company's basic work. And with the aid of the theory,this demand will be completed in time. However,besides completing the interactionthrough the Theory with the general investors and the social public, Expansing theinsurance transaction scale through the theory on the transaction function, is also adiligently direction in the investment insurances industry. Because the presentinvestment insurances industry just started in the web-marketing field,this aspect ofwork dynamics must be strengthen, and must be given enough manpower and insurancein the investment.
The development of our country insurance is slow,the transaction channel isnarrow, the transaction pattern is few. Now by the prosperity which develops along withour country finance,the insurance commerce development probably encounters thebottleneck.
This article summarizes the three major problems,which exists in this foundationof the present insurance commerce: transaction channel barrier. It is unclear thatconvertint from the information information issue to the marketing servicetransformation. Locking existing customer community and further marketing dynamicsis insufficient -the three drainage ditches. And after analysising question origin, topropose the detailed corresponding solution,these three drainage ditches in insuranceelectronic commerce has been put down. And propose the experience of the cleaning theinsurance network sells5 scotomas which exists in own construction aspect and whatneed to pay attention and so on.
Key Words: insurance trading ; channel disorder ; product life cycle ;organizational Marketing ; channel marketing