保险业与跨境电商服务生态融合发展研究——以豆沙包科技(上海)公司为例  

Research on the Integration and Development of the Insurance Industry and Cross-border E-commerce Service Ecosystem——A Case Study of Dowsure Technology(Shanghai)Co.Ltd

作　　者：屈韬 陈梦洁 李佳蔚 QU Tao;CHEN Mengjie;LI Jiawei(Guangdong University of Finance and Economics,Guangzhou,Guangdong,China,510320;The Hong Kong University of Science and Technology(Guangzhou),Guangzhou,Guangdong,China,511453)

机构地区：[1]广东财经大学,广东省广州市510320 [2]香港科技大学(广州),广东省广州市511453

出　　处：《对外经贸实务》2024年第2期24-31,共8页Practice in Foreign Economic Relations and Trade

基　　金：广州市社科规划项目《广州培育建设国际消费中心城市研究:从数字服务生态的视角》(2022GZYB14);中国保险学会资助项目《数字生态视域下保险渠道协同及其价值创造效应研究》(ISCKT2023-N-1-12);广东省科学技术厅粤港澳科技深度融合项目“粤港两地跨境电商综合服务科产教融合型人才交流”。

摘　　要：随着新一代信息技术的发展,向商业生态开放保险成为创新保险产品、拓展营销渠道的重要路径。本文以豆沙包为例,基于开放保险理论,从获取数据源、开放应用程序接口(API)、一体化服务等视角分析大数据时代保险企业运用区块链技术针对特定行业开发“保险+服务”类产品,拓宽数字分销渠道、建立去中心化电商支付模式、与科技企业协同构建跨境电商服务生态等途径营造能力优势,推动产业科技与保险科技融合的战略思路及其价值创造效应,据以丰富商业生态理论和全渠道理论。With the development of new-generation information technology,opening up insurance towards the business ecosystem is crucial to innovate insurance products and expand marketing channels.Based on the theory of open insurance,this paper analyzes how Dowsure as an example utilizes blockchain technology to develop"insurance+service"products for specific industries by acquiring data sources,opening application programming interfaces(APIs),providing integrated services and other ways to expand digital distribution channels,establish decentralized e-commerce payment models,and collaborate with technology companies to build a cross-border e-commerce service ecosystem.These approaches are beneficial for creating competitive advantages,promoting the strategic integration of industrial technology and insurance techniques in value creation process.These results contribute to enriching business ecosystem theory and omnichannel theory.

关 键 词：保险科技 电商服务生态 豆沙包公司 开放API 

分 类 号：F840.4[经济管理—保险]