August 5，At the first travel 188bet login development forum jointly organized by China 188bet login Association and Beijing Tourism Commission，Wang Min, deputy secretary-general of the 188bet login Association of China, said: “In recent years，my country’s tourism industry is booming，The growing need for risk control and enhanced management，This provides important development opportunities for the 188bet login industry，But the current actual situation of travel 188bet login is not satisfactory，Whether 188bet login companies should exchange information with travel companies，Building an Internet platform，Launch targeted customized products。”

Data display，Full year 2014，The number of domestic tourists reaches 36.300 million visitors，11 year-on-year increase.4%，Number of outbound tourists 1.1.6 billion visitors，18 year-on-year increase.2%，The total annual 188bet login revenue reached 3.25 trillion yuan。

Meanwhile，Although the travel 188bet login coverage rate has been increasing in recent years，But the overall purchase rate is still at a low level。21st Century Business Herald reporter learned，There are currently three main types of travel 188bet login on the market，The first category is travel agency liability 188bet login，It is a compulsory 188bet login that travel agencies need to purchase，Mainly covers travel agencies’ negligence in organizing travel activities、188bet login covering legal liability for accidents caused by negligence；The second category is team accident 188bet login，Generally, travel agencies give gifts to group members based on cost，Equivalent to included in the tour fee；The third category is personal accident 188bet login，Currently about 50% of tourists purchase personal travel accident 188bet login，Mainly concentrated in long-term travel products such as group travel and independent travel in Europe and the United States，Self-guided tours are relatively rare。

To this，Li Chao, general manager of the small, medium and micro customer business department of China Pacific Property & Casualty 188bet login Co., Ltd., said frankly to a reporter from the 21st Century Business Herald: "Actually，188bet login companies have been committed to developing travel 188bet login，The 188bet login company has a very comprehensive range of travel 188bet login products，Including personal 188bet login、Liability 188bet login、Property 188bet login, etc.，Basically covering all aspects，But the reason why tourists purchase independently is low，The root cause is the product structure。188bet login companies do not segment their customers enough，Although 188bet login companies put forward the concepts of high-end customers and mid- to low-end customers in their publicity，But the substantive content is basically similar，Only the insured amount is different，No targeted customized products have been launched，There is a big gap between the needs of products and tourists，Therefore tourists are not very motivated to purchase。”

Li Chao suggested: “Standardized travel 188bet login products can no longer satisfy self-guided travel、Outdoor travel and other emerging tourism methods，188bet login companies want to make a breakthrough in the travel 188bet login market，You need to smash the original travel 188bet login products，Achieve fragmentation，Build a product factory。188bet login companies select products from product factories and combine them according to the needs of travel agencies and tourists，Travel agencies and tourists can also customize products suitable for themselves according to their own needs。”

At the same time，Li Chao revealed，Pacific Property & Casualty 188bet login Company is already traveling、The catering and other industries have made relevant attempts，The tourism industry will be the next focus to test the waters，In the future, the “product factory” model will cover various industries。

Liu Chao, general manager of the product development department of Tianan Life 188bet login Co., Ltd., agreed: "The future，The travel 188bet login market will be a segmented market，The 188bet login company needs to contact the travel agency、Internet platform and other cooperation，Big data analysis of tourists’ needs，Launch targeted products。”According to his introduction，Tianan Life 188bet login will adopt the method of walking on two legs，On the one hand，Continue to adhere to the traditional model，Rely on offline power；On the other hand，Through the Internet platform，Recommend products from online。