互联网保险主体信息披露义务的法律问题研究
发布时间：2019-04-24 17:53
【摘要】：21世纪,全球进入一个信息化、网络化的经济时代,在此背景下,互联网保险已经成为保险机构销售和服务的新兴渠道。互联网保险作为特殊的经济行业,具有保险信息量巨大、保险范围广等特点,其信息需求者在目前的信息披露现状下的需求得不到满足。为了能够使互联网保险公司真实展现其自身的经济实力,从而使保险消费者面对众多互联网保险企业和保险产品做出正确选择,也为了使互联网保险公司能够在网络环境下对承保风险做出较为准确的估计,需要对互联网保险信息披露制度进行探究。虽然目前我国已经出台了《互联网保险业务监管暂行办法》来规范互联网保险的活动,但是关于信息披露制度的相关立法整体上还不健全、不完善,积极探索如何建立和完善适用于我国互联网保险业发展的信息披露制度成为当下亟待解决的课题。本文正是基于理论与现实的需要,试图通过分析信息披露背后的原理,并基于我国互联网保险信息披露的现状,在财产保险和人身保险的范围内,分别从投保人和保险人的角度来探讨现阶段完善我国互联网保险主体信息披露制度的建议。
[Abstract]:In the 21st century, the world has entered an information-based, network-based economic era. Under this background, Internet insurance has become a new channel for insurance agencies to sell and service. Internet insurance, as a special economic industry, has the characteristics of huge amount of insurance information, wide coverage and so on. The needs of its information requesters are not satisfied under the present situation of information disclosure. In order to enable Internet insurance companies to truly show their own economic strength, so that insurance consumers face a large number of Internet insurance companies and insurance products to make the right choice, In order to enable the Internet insurance companies to make a more accurate estimate of the underwriting risk under the network environment, it is necessary to explore the disclosure system of the Internet insurance information. Although China has already issued "interim measures for Supervision of Internet Insurance Business" to regulate the activities of Internet insurance, the relevant legislation on the information disclosure system as a whole is not perfect or perfect. It is an urgent task to explore how to establish and perfect the information disclosure system which is suitable for the development of Internet insurance industry in China. This paper is based on the needs of theory and reality, trying to analyze the principle behind information disclosure, and based on the current situation of Internet insurance information disclosure in China, within the scope of property insurance and personal insurance, From the angle of the policy holder and the insurer respectively, this paper discusses the suggestions of perfecting the information disclosure system of the Internet insurance subject in our country at the present stage.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.284
本文编号：2464657
[Abstract]:In the 21st century, the world has entered an information-based, network-based economic era. Under this background, Internet insurance has become a new channel for insurance agencies to sell and service. Internet insurance, as a special economic industry, has the characteristics of huge amount of insurance information, wide coverage and so on. The needs of its information requesters are not satisfied under the present situation of information disclosure. In order to enable Internet insurance companies to truly show their own economic strength, so that insurance consumers face a large number of Internet insurance companies and insurance products to make the right choice, In order to enable the Internet insurance companies to make a more accurate estimate of the underwriting risk under the network environment, it is necessary to explore the disclosure system of the Internet insurance information. Although China has already issued "interim measures for Supervision of Internet Insurance Business" to regulate the activities of Internet insurance, the relevant legislation on the information disclosure system as a whole is not perfect or perfect. It is an urgent task to explore how to establish and perfect the information disclosure system which is suitable for the development of Internet insurance industry in China. This paper is based on the needs of theory and reality, trying to analyze the principle behind information disclosure, and based on the current situation of Internet insurance information disclosure in China, within the scope of property insurance and personal insurance, From the angle of the policy holder and the insurer respectively, this paper discusses the suggestions of perfecting the information disclosure system of the Internet insurance subject in our country at the present stage.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.284
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