保险消费者隐私权保护研究

发布时间：2018-02-03 09:31

本文关键词： 保险消费者隐私权保护机制　出处：《西南财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：保险公司的承保决策很大程度上依赖于投保方的告知,大量、全面、准确的保险消费者信息是保险公司经营的基础,而这些信息中不乏保险消费者的隐私。投保方应秉承最大诚信原则履行如实告知义务,保险公司更有义务严格保密投保方所告知的内容,避免保险消费者的隐私权受到侵犯。但事实并非如此,为了开拓业务,保险公司通过各种渠道获取保险消费者的信息,以实现利润最大化,从而产生“电销扰民”、倒买倒卖客户资料以及擅用客户资料开通业务等多种侵害保险消费者隐私权的现象。伴随着信息技术的不断进步,公民个人隐私面临着剧增的安全风险,特别是已将隐私告知于保险公司的保险消费者,规范保险公司对客户信息的获取、管理和使用是保护保险消费者隐私权的当务之急,也是提升保险消费者对保险业信心的关键。本文正是出于这一想法,针对保险消费者隐私权的保护进行系统研究。首先对保险消费者的隐私权进行界定,分别解释隐私权的内涵和探讨保险消费与隐私权之间的关系,然后从立法、监管以及保险公司操作三个层面来分析我国保险消费者隐私权的保护情况以及所存在的问题,最后借鉴美、德、日对保险消费者隐私权保护的有益经验,结合我国实际提出构建全方位、多层次的保险消费者隐私权保护机制的设想。全文共五章,主要内容如下。第一章是绪论。主要对论文的写作背景和意义、国内外学者的研究现状、研究思路和方法,以及创新和不足进行阐述。第二章是保险消费者隐私权的概述。主要阐明隐私权的内涵,并分析隐私权在保险消费行为中的特殊性。第三章是我国保险消费者隐私权保护现状的分析。分别从法律规定、监管机构和行业协会、保险公司三个层面对我国保险消费者隐私权保护情况进行探讨,并分析其中所存在的问题。第四章是国外保险消费者隐私权保护的经验借鉴。分别阐述美国、德国和日本保护保险消费者隐私权的情况,从中挖掘有益经验。第五章是提出完善我国保险消费者隐私权保护的对策。针对第三章所分析到当前我国保险消费者隐私权保护中所存在的问题,根据我国实际情况吸取国外经验提出“完善法律保障、加强监管引导、规范保险公司客户信息管理”三位一体的保护机制。
[Abstract]:The insurance company's underwriting decision depends on the information of the insured to a great extent. A large amount of comprehensive and accurate information of insurance consumers is the basis of the insurance company's operation. And there is no lack of the privacy of insurance consumers. The insured should uphold the principle of maximum good faith to perform the obligation to inform the truth, the insurance company has the obligation to strictly keep confidential the content of the insured. In order to develop business, insurance companies obtain the information of insurance consumers through various channels in order to maximize profits. As a result, the phenomenon of infringing upon the privacy of insurance consumers, such as "electricity sales disturbing people", buying and selling customer information and using customer data to open up business, is accompanied by the continuous progress of information technology. Personal privacy of citizens is facing a sharp increase in security risks, especially has been informed of the privacy of insurance companies insurance consumers, the insurance companies to regulate the acquisition of customer information. Management and use is the urgent matter to protect the privacy of insurance consumers, and also the key to enhance the confidence of insurance consumers. This paper is out of this idea, the protection of the right to privacy of insurance consumers to carry out a systematic study. First of all, define the right to privacy of insurance consumers. Explain the connotation of privacy and explore the relationship between insurance consumption and privacy, and then legislation. Supervision and operation of insurance companies to analyze the three levels of China's insurance consumer privacy protection and the existing problems, and finally draw lessons from the United States, Germany, Japan on the protection of the right to privacy of insurance consumers beneficial experience. Combined with the reality of our country, this paper puts forward the idea of constructing an all-round and multi-level insurance consumer privacy protection mechanism. There are five chapters in this paper, the main contents are as follows. The first chapter is the introduction. It mainly expounds the background and significance of the thesis, the current research situation of scholars at home and abroad, the research ideas and methods, as well as the innovation and deficiency. The second chapter is an overview of the right to privacy of insurance consumers, mainly expounds the connotation of privacy, and analyzes the particularity of the right of privacy in the consumer behavior of insurance. The third chapter is the analysis of the status quo of the protection of the right to privacy of insurance consumers in China. From the legal provisions, regulatory bodies and industry associations, insurance companies to explore the status of privacy protection of insurance consumers in China. And analyzes the existing problems. Chapter 4th is a reference for foreign insurance consumers' privacy protection. It expounds the situation of insurance consumers' privacy protection in the United States, Germany and Japan respectively, and excavates the beneficial experience from it. Chapter 5th puts forward the countermeasures to improve the protection of the right to privacy of insurance consumers in China. In view of the analysis of the third chapter, the problems existing in the protection of the right of privacy of insurance consumers in China are analyzed. According to the actual situation of our country, drawing on the experience of foreign countries, this paper puts forward the trinity protection mechanism of "perfecting the legal guarantee, strengthening the supervision and guiding, standardizing the customer information management of the insurance company".
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D923;F842.3

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