论虚拟财产责任保险开发

发布时间：2018-06-15 07:29

本文选题：网络游戏 + 虚拟财产　；参考：《辽宁大学》2013年硕士论文

【摘要】：据中国互联网信息中心统计，截止到2012年12月底，中国互联网用户普及率已经达到42.1%，中国互联网用户规模达到5.64亿人，其中网络游戏用户规模达到3.36亿人，占比达59.57%。而网络游戏玩家在网络游戏中面临多重风险，面对3.36亿人的巨大潜在市场，虚拟财产责任保险业务作为一项新开发的险种也应运而生。本文采取案例分析的形式，主要分为以下五个部分：第一部分为绪论，简要介绍本文的研究背景、研究目的及意义、相关研究情况、研究内容与方法、创新与不足之处。第二部分为案例描述，介绍2003年由北京市朝阳区法院受理的我国首例网络游戏虚拟财产纠纷案的基本情况，并说明法院判决结果及判决依据。第三部分为案例分析，首先对本文中所涉及的虚拟财产做出定义。然后主要分析了网络游戏中面临的主要风险、网络游戏运营商责任是否具有可保利益，并在此基础上引出本文的主要分析对象——网络游戏运营商用户损失责任险。其中，网络游戏中面临的主要风险有网络游戏中止运营的风险、网络游戏中货币通货膨胀的风险、网络游戏账户被盗被骗的风险、网络游戏玩家电脑中病毒的风险以及相关的民事损害责任风险。网络游戏运营商责任的可保利益分析依据是可保利益的定义及条件，即通过分析网络游戏运营商责任的相关利益是否是合法的利益、是否是确定的利益、是否是经济上的利益这三点来说明网络游戏运营商责任具有可保利益。第四部分为虚拟财产责任保险的发展前景及对策，，介绍我国网络游戏产业发展史，简要介绍了韩国、香港以及台湾地区对虚拟财产的保护，最后提出我国虚拟财产保护的最大障碍在于虚拟财产没有明确的法律定位，提出了一些针对网络虚拟财产立法方面的建议。第五部分为结束语。随着我国网络游戏产业的不断发展，虚拟财产责任保险将成为保险业的一个新增长点，值得期待。
[Abstract]:According to the China Internet Information Center, by the end of December 2012, the penetration rate of Internet users in China had reached 42.1 percent, with the number of Internet users in China reaching 564 million, including 336 million users of online games, accounting for 59.57 percent. The online game players face multiple risks in the online games, facing the huge potential market of 336 million people, virtual property liability insurance business as a newly developed insurance also came into being. This paper takes the form of case analysis, mainly divided into the following five parts: the first part is the introduction, briefly introduces the research background, research purpose and significance, related research situation, research content and methods, Innovation and inadequacies. The second part is the case description, which introduces the basic situation of the first online game virtual property dispute case accepted by the court of Chaoyang District of Beijing in 2003, and explains the judgment result and judgment basis of the court. The third part is a case study, first of all, the definition of virtual property involved in this paper. Then it mainly analyzes the main risks in the online game, whether the liability of the online game operator has insurable interest, and then leads to the main analysis object of this article-the user loss liability insurance of the online game operator. Among them, the main risks faced by online games include the risk of suspending the operation of online games, the risk of currency inflation in online games, and the risk of online game accounts being stolen and cheated. The risk of virus and related civil liability risk in the computer of online game player. The analysis of insurable interests of online game operators is based on the definition and conditions of insurable interests, that is, whether the related interests of online game operators are legal or not, whether they are determined interests. Whether is the economic benefit this three points to explain the network game operator responsibility has the insurable interest. The fourth part is the development prospect and countermeasures of virtual property liability insurance, introduces the history of online game industry in China, and briefly introduces the protection of virtual property in Korea, Hong Kong and Taiwan. Finally, the author points out that the biggest obstacle to the protection of virtual property in our country lies in the lack of clear legal orientation of virtual property, and puts forward some suggestions on the legislation of virtual property on the network. The fifth part is the conclusion. With the continuous development of online game industry in China, virtual property liability insurance will become a new growth point of the insurance industry, which is worth looking forward to.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.65

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