互联网保险费率监管制度研究

发布时间：2018-04-27 01:38

本文选题：互联网保险 + 大数据技术　；参考：《价格理论与实践》2017年06期

【摘要】：随着互联网保险进入大数据时代,保险费率厘定更为精确灵活,市场竞争更为充分有序,继续沿用传统的费率监管模式,不仅有损市场效率和公共利益最大化,而且大数据定价的数据来源及算法也会产生新的市场失灵,损害保险消费者的合法权益。因此,互联网保险费率应分类推进审批制和备案制,完善以数据及算法为基础的信息披露制度,并建立共享数据库和独立的第三方费率厘定机构。
[Abstract]:As Internet insurance enters the era of big data, the pricing of insurance rates is more accurate and flexible, and the market competition is more fully and orderly. Continuing to follow the traditional mode of rate regulation will not only harm market efficiency and maximize public interest. And big data pricing data sources and algorithms will also cause new market failure, damaging the legitimate rights and interests of insurance consumers. Therefore, Internet insurance rates should be classified to promote the examination and approval system and record system, perfect the information disclosure system based on data and algorithms, and establish a shared database and independent third-party pricing agencies.
【作者单位】：对外经济贸易大学保险学院;北京大学法学院;
【基金】：中国人民财产保险股份有限公司灾害研究基金项目资助对外经济贸易大学国内外联合培养研究生项目资助
【分类号】：F724.6;F842

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