互联网理财险法律分析——以“娱乐宝”模式为研究对象

发布时间：2018-03-12 19:09

  本文选题：互联网金融　切入点：互联网保险　出处：《西南金融》2016年05期 　论文类型：期刊论文

【摘要】：得益于互联网金融的发展,互联网保险异军突起。监管日趋明朗之际,网销理财险受到广泛关注。阿里巴巴推出的"娱乐宝"以"保险+信托"模式对接理财险产品,获得持续火爆的市场反响。但互联网背景下,如何规避理财险固有风险、履行保险人免责条款的说明义务,防范投保人虚构保险关系人等问题均需慎思。故本文以"娱乐宝"为研究对象,剖析其法律结构及法律风险,简要对比其与众筹模式的异同,探求互联网理财险的创新之处,最后评析互联网保险的监管现状,以期加深对互联网理财险的认识。
[Abstract]:Thanks to the development of Internet finance, Internet insurance has suddenly emerged. As supervision becomes clearer, financial insurance for online sales has received extensive attention. Alibaba's "Entertainment Treasure" docked wealth management insurance products with an "insurance trust" model. But under the background of the Internet, how to avoid the financial risk and fulfill the obligation of the insurer's exemption clause, Therefore, this paper takes "entertainment treasure" as the research object, analyzes its legal structure and legal risk, briefly compares its similarities and differences with the mode of crowdfunding, and probes into the innovation of Internet financing insurance. Finally, analyze the current situation of Internet insurance regulation, in order to deepen the understanding of Internet financing insurance.
【作者单位】： 华东政法大学;
【分类号】：D922.284
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本文编号：1602910