进入21世纪以来,电子商务已经在金融行业广泛应用,电子商务的作用及价值日益显现,电子商务所带来的效益持续高速攀升。从全球保险行业发展趋势来看,电子商务已经成为重要的销售渠道之一。网上保险业务以及保险电话营销业务都在近几年得到了迅速的发展,尤其在美国和欧洲等地区,保险电 Since entering the 21st century, e-commerce has been widely used in the financial industry. The role and value of e-commerce are increasingly apparent. The benefits brought by e-commerce have continued to rise rapidly. From the global insurance industry trends, e-commerce has become one of the important sales channels. The online insurance business and the insurance telemarketing business have all witnessed rapid growth in recent years. Especially in the United States and Europe, insurance premiums