消费者权益保护视角下的互联网保险营商自由

发布时间：2018-04-22 04:07

本文选题：互联网保险 + 营商自由　；参考：《国家检察官学院学报》2017年02期

【摘要】：大数据时代,互联网与保险的融合在深度和广度上发生着日新月异的变化。考察互联网保险的发展历程,不难发现,互联网保险相关法律制度和社会政策取向的营商自由价值理念及划定的边界与互联网保险发展与模式创新之间关系密切。在消费者权益保护视角下,保险消费者的知情权保护、合理期待利益保护以及金融隐私权保护是划定互联网保险营商自由边界的考量因素。我国互联网保险应当秉承营商自由的价值理念,并根据社会发展的状况划定边界。为加强对互联网保险中消费者权益进行保护,需要完善犹豫期条款、信息披露制度、保险人的明确说明义务,培育消费理性观念并强化消费者个人信息保护。
[Abstract]:Big data era, the integration of the Internet and insurance in depth and breadth are changing with each passing day. After reviewing the development of Internet insurance, it is not difficult to find that there is a close relationship between the legal system and social policy orientation of Internet insurance, the value of business freedom and the boundary between the development of Internet insurance and the innovation of Internet insurance mode. From the perspective of consumer rights protection, the protection of insurance consumers' right to know, the protection of reasonable expectation of interests and the protection of financial privacy are the factors that are considered in delimiting the boundary of Internet insurance business freedom. Internet insurance in China should adhere to the value of business freedom and delimit the boundary according to the social development. In order to strengthen the protection of consumers' rights and interests in Internet insurance, it is necessary to perfect the hesitant clause, the information disclosure system, the explicit duty of the insurer, cultivate the rational concept of consumption and strengthen the protection of consumer's personal information.
【作者单位】：北京工商大学法学院;
【基金】：商务部十三五规划重点课题“建设法治化国际化营商环境研究”(SWB001) 中国博士后基金项目“保险惯例立法与司法适用研究”(2012M520216)的阶段性成果
【分类号】：D923.8

【参考文献】