随着互联网应用的普及、大众对电子商务的认同。电子商务在日常生活中扮演着愈来愈重要的角色。跟现实交易方式比较,电子商务具有更大的灵活性,更低的费用支出,更简便的交易流程。我们在看到优势的同时,也要看到影响它发展的风险因素——信用体系、电子信息安全、物流配送,这些风险的存在增强了电子商务人士对保险产品的需求意识。本文着重分析风险因素的存在形式和解决办法。 With the popularization of Internet applications, public acceptance of e-commerce. E-commerce plays an increasingly important role in daily life. Compared with the real trading methods, e-commerce has greater flexibility, lower costs, and easier transaction processes. While we see the advantages, we must also see the risk factors that affect its development—credit system, electronic information security, and logistics distribution. The existence of these risks enhances the awareness of the needs of e-commerce professionals for insurance products. This article focuses on analyzing the existence of risk factors and solutions.