台湾地区互联网保险监管法制研究及其经验启示

发布时间：2018-04-27 18:38

本文选题：互联网保险 + 监管　；参考：《江淮论坛》2017年03期

【摘要】：互联网技术的运用可以使保险公司突破时间、空间的限制进行保险产品的销售与服务,还可以提高效率、减少成本。但因互联网保险具有一定的风险与隐患,如何在互联网保险日益普及之背景下加强法律监管,已成为两岸保险市场共通的课题。台湾地区在互联网保险经营范围的限制、道德危险的防范、投保与承保通报机制的设置方面均值得大陆地区参考与借鉴;但台湾地区互联网保险法制中有关准入资格、投保人与被保险人关系的限定、第三方网络平台问题还须修正与完善。两岸可以互相学习与借鉴,制定更加符合互联网保险发展规律的法律与技术规范,通过有效的法律规则对运营过程中的法律风险进行分散与消除,保障大陆与台湾的互联网保险市场健康发展。
[Abstract]:The use of Internet technology can make insurance companies break through the limitation of time and space to sell and serve insurance products, and can also improve efficiency and reduce costs. However, because Internet insurance has certain risks and hidden dangers, how to strengthen the legal supervision under the background of the increasing popularity of Internet insurance has become a common topic in the cross-strait insurance market. Taiwan's restrictions on the scope of Internet insurance business, the prevention of moral hazard, and the setting up of insurance and insurance notification mechanisms are worthy of reference and reference by the mainland. However, Taiwan's Internet insurance legal system has relevant access qualifications. The limitation of the relationship between the insured and the insured, the third-party network platform should be corrected and perfected. The two sides can learn from each other and draw lessons from each other, formulate laws and technical norms that are more in line with the law of the development of Internet insurance, and disperse and eliminate legal risks in the course of operation through effective legal rules. To ensure the healthy development of the Internet insurance market in mainland China and Taiwan.
【作者单位】：厦门大学法学院;台湾政治大学风险管理暨保险学系;
【基金】：厦门大学研究生田野调查基金“信息安全保险法律制度研究”(2016GF031)
【分类号】：D922.284

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