关键词： 互联网保险公司, 盈利困境, 保费收入, 投资收益

Abstract: In recent years,the scale of the Internet insurance market has developed rapidly,which has become an important driving force for China's premium growth.However,with the growth of the Internet premium,it has not brought about profit growth.The reasons are as follows:(1) the current Internet insurance company's product structure and offline service are flawed;(2) the growth rate of premium is limited;(3) the pricing risk is large,while the single-average premium is low;(4) excessive dependence on the third-party platform makes the premium income and channel under double pressure;5) the investment environment and investment structure are limited,which makes investment income unstable.Therefore,we should increase the proportion of long-term insurance products,improve offline services;change traditional pricing rules,make full use of insurance technology and reasonable pricing;promote the construction of its own network platform to reduce cooperation costs;expand investment channels and strengthen asset-liability matching management.

Key words: Internet insurance company, profit distress, premium income, investment income