谈电子签名在保险业务中的应用  

作　　者：石大立[1] 徐莹[1] 

机构地区：[1]中国人寿保险股份有限公司信息技术部,北京100020

出　　处：《保险研究》2006年第6期18-19,6,共3页Insurance Studies

摘　　要：随着《中华人民共和国电子签名法》的实施，电子签名成为备受关注的一大热点。保险公司采用电子签名技术，实现了网上投保、在线支付、网上智能核保和发送电子保单等全E化流程，为保险业的电子商务带来实质性突破。电子签名的应用虽然对电子商务产生了极大的推动作用，但目前在相关法律配套、认证服务、用户认同以及应用成本等方面，仍存在障碍和隐患。电子签名的立法需要进一步完善，电子签名的认证需要统一规范，让电子签章成为公众和企业的必备签章尚需推广，保险公司采用电子签名要仔细评估其投入产出。Along with the implementation of ＂The E-signature Law of the PRC＂, E-signature has received wide-spread attention. By using E-signature technology, insurance companies achieves a significant breakthrough in E-commerce, namely, a fully electronic business process ranging from online application, online payment and online intelligent underwriting to sending the electronic policy. Although, E-signature has greatly propelled development of E-commerce, there are still some obstacles and concerns regarding supporting legislation, certification service, client recognition and application cost. The E-signature legislation remains to be completed and its certification remains to be standardized. There is still some way to go before E-signature becomes indispensable to the public and enterprises. At the current stage, insurance companies should conduct careful input and output research before adopting E-signature.

关 键 词：电子保单 电子签名 认证服务 应用成本 

分 类 号：F840.4[经济管理—保险]