我国互联网保险创新中存在的问题与规制

发布时间：2018-04-08 13:30

本文选题：互联网保险　切入点：说明义务　出处：《广西大学》2017年硕士论文

【摘要】：互联网保险是保险行业主动运用互联网技术发展的金融业态,近年来我国的互联网保险发展迅猛,各种结合新经济特点的创新型保险不断涌现。然而新兴事物的兴起往往是风险与机遇并存。由于法律制度的不完善,保险业在与互联网融合的过程中也暴露了大量的问题。本文从四个方面论述了在不完备法律背景下,互联网保险存在的比较突出的四个问题与法律规制。首先,是产品创新导致“奇葩险”带有博彩倾向,从而偏离保险本质的问题。相对于传统单一的保险产品,互联网保险依托大数据开创了大量具有碎片化、场景化的保险产品,但是由于部分险企盲目追求噱头吸引用户的关注度,其产品逐渐偏离了保险的轨道,从而被监管当局叫停。本文通过对保险与赌博的本质进行区别,结合保险产品的监管政策,提出对互联网保险产品规制之策。其次,是销售创新导致传统的保险合同说明义务标准不适应现在的互联网保险销售形式。互联网保险采用线上销售形式,保险销售者与投保人之间没有面对面的沟通环节,保险合同签订过程中的说明义务与告知义务的实行也出现了困难。这些因素的出现对互联网保险合同的说明标准提出了新的要求。本文将通过实际购买互联网保险产品的体验,指出相应机构在销售过程中履行不当的行为,并提出完善的解决办法。再次,是网络互助计划中存在的规范性问题。行业中不少网络互助平台缺乏保险从业资质却变相或者实际从事保险业务,非法设立资金池,承诺赔付难以兑现的问题严重。本文首先从网络互助计划的性质入手,明确网络互助并不是保险,同时提出明确相应的监管主体与治理建议。最后,是模式创新带来的互联网保险准入资质的挑战。我国互联网保险法律监管存在一定的滞后性,较近的一项法规是2015年10月开始实施的《互联网保险业务监管暂行办法》,但是本办法尚未上升为法律,且对于专业互联网保险机构的规定仍存在大量的空白,存在完善的空间。本文将从第三方平台与专业的互联网保险机构进行分析,通过借鉴国际上的先进经验,明确互联网保险的准入资质。
[Abstract]:Internet insurance is a financial form in which the insurance industry actively uses Internet technology to develop. In recent years, the Internet insurance in China has developed rapidly, and various kinds of innovative insurance combined with the characteristics of new economy have been emerging.However, the rise of new things is often the coexistence of risk and opportunity.Due to the imperfection of the legal system, the insurance industry has also exposed a lot of problems in the process of merging with the Internet.This paper discusses the four outstanding problems and legal regulations of Internet insurance under the imperfect legal background from four aspects.First of all, it is the product innovation that leads to "exotic risk" with gambling tendency, which deviates from the nature of insurance.Compared with the traditional single insurance products, Internet insurance relies on big data to create a large number of fragmented, scene insurance products, but because some risk companies blindly pursue gimmicks to attract users' attention.Its products gradually deviated from the track of insurance and were halted by regulators.Based on the difference between the nature of insurance and gambling and the regulatory policy of insurance products, this paper puts forward some measures to regulate Internet insurance products.Secondly, the innovation of sales leads to the traditional standard of obligation of insurance contract description is not suitable for the current Internet insurance sales form.Internet insurance adopts the form of online sales, there is no face-to-face communication between the insurance seller and the insured, and the implementation of the obligation to explain and inform in the process of signing the insurance contract is also difficult.The emergence of these factors on the Internet insurance contract specification standards put forward new requirements.Based on the experience of purchasing Internet insurance products, this paper points out the improper behavior of the corresponding organizations in the process of sales, and puts forward some perfect solutions.Thirdly, it is the normative problem in the network mutual aid plan.In the industry, many network mutual aid platforms lack the qualification of insurance practice, or actually engage in insurance business, illegally set up fund pool, promise to pay is difficult to realize the problem is serious.This article starts with the nature of the network mutual aid plan, makes clear that the network mutual aid is not the insurance, at the same time puts forward the corresponding supervision main body and the governance suggestion.Finally, it is the challenge of Internet insurance qualification brought by mode innovation.There is a lag in the legal supervision of Internet insurance in China. A recent regulation is the interim measures for the Supervision of Internet Insurance, which began to be implemented in October 2015, but these measures have not yet risen to law.And for professional Internet insurance institutions there are still a large number of gaps, there is room for improvement.This article will analyze from the third party platform and the specialized Internet insurance institution, through drawing lessons from the international advanced experience, definite the Internet insurance admittance qualification.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.284

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