互联网保险监管法律制度研究

发布时间：2018-04-03 13:58

本文选题：互联网保险　切入点：保险监管　出处：《西南大学》2017年硕士论文

【摘要】：随着经济的发展,电子商务的交易量也在迅速增加,“互联网+”的时代已经到来。传统保险业也加入了这一领域,打造互联网与保险的融合。它不仅仅是渠道的创新,还带来了营销的创新和模式的创新,以及未来即将出现的互联网保险生态圈。互联网保险的创新在为保险企业和投保人带来高效便利的同时,也隐藏了较大的风险。然而我国目前的互联网保险监管现状却令人担忧,如何在防范风险的同时鼓励、支持互联网保险的发展是我们当前需要解决的重要问题。与传统保险相比,互联网保险具有虚拟性、时效性、直接性、跨域性等特点。信息技术的飞速发展使得其具有不同于传统保险的法律风险、信用风险、信息安全风险等,这也给当前的监管带来了挑战。最近几年,保监会大力整顿互联网保险行业,然而假保单、伪创新、信息泄露等事件仍时有发生。2015年10月出台的《互联网保险监管暂行办法》是我国互联网保险监管法律制度的首次系统性文件。但针对目前的监管实践仍然显得心有余而力不足,主要存在着互联网保险市场准入制度和市场退出制度的不完善、互联网保险合同缔结及履行存在监管障碍、信用安全监管、信息披露以及消费者权益保护中存在的问题等。因此,结合当前的互联网大环境,检讨我国互联网保险监管存在的不足,完善我国互联网保险监管的立法和具体制度,是稳定金融秩序保护市场竞争之必要。国外已经形成了成熟的监管制度,在分析与借鉴美国、英国、日本等国的优秀的互联网保险监管经验的基础上,探索我国互联网保险监管的思路与制度建设。在完善我国互联网保险监管法律制度的进程中,首先要做到的是确立监管的目标及原则,确保监管主体有的放矢地实施监管行为。其次针对监管对象,区分以不同模式活跃于互联网的互联网保险机构,设计审慎的市场准入及市场退出制度。再次,针对监管内容即互联网保险合同的成立与生效,结合当前电子商务环境,设立规范标准。最后,完善互联网保险信息披露制度的同时加强对互联网保险消费者个人信息的保护,促进信用体系的完善,构建公开透明的互联网保险消费者保护机制,推动整个互联网保险行业的发展。在互联网市场冲击传统市场的时代背景下,完善我国互联网保险监管的法律制度,对于推动我国互联网保险的发展,维护社会公众的利益,以及促进和谐社会的发展都具有重要意义。
[Abstract]:With the development of economy, the trading volume of e-commerce is increasing rapidly. The era of internet has come.The traditional insurance industry has also joined this field, creating the convergence of the Internet and insurance.It is not only the innovation of channels, but also the innovation of marketing and mode, as well as the coming ecological circle of Internet insurance.The innovation of Internet insurance not only brings high efficiency and convenience to insurance companies and policy holders, but also hides greater risks.However, the current situation of Internet insurance supervision in China is worrying, how to prevent risks while encouraging, supporting the development of Internet insurance is an important problem we need to solve at present.Compared with traditional insurance, Internet insurance has the characteristics of fictitious, timeliness, directness, cross-regional and so on.With the rapid development of information technology, it has different legal risk, credit risk, information security risk and so on, which brings challenges to the current supervision.In recent years, the CIRC has made great efforts to rectify the Internet insurance industry. However, fake insurance policies, fake innovations,The interim measures of Internet Insurance Supervision issued in October 2015 is the first systematic document of China's Internet Insurance Supervision legal system.However, in view of the current supervision practice, there are still many problems, such as imperfection of the market access system and exit system of Internet insurance, supervision obstacles to the conclusion and implementation of internet insurance contracts, credit safety supervision, etc.Information disclosure and consumer rights and interests protection problems and so on.Therefore, it is necessary to stabilize the financial order and protect the market competition by reviewing the shortcomings of China's Internet insurance supervision and perfecting the legislation and specific system of China's Internet insurance supervision combined with the current Internet environment.Foreign countries have formed a mature regulatory system. On the basis of analyzing and drawing lessons from the excellent experience of Internet insurance supervision in the United States, Britain, Japan and other countries, this paper explores the train of thought and system construction of China's Internet insurance supervision.In the process of perfecting the legal system of Internet insurance supervision in our country, the first thing we should do is to establish the objectives and principles of supervision and to ensure that the main body of supervision carries out the supervision behavior in a targeted manner.Secondly, aiming at the regulatory object, it distinguishes the Internet insurance institutions that are active in the Internet with different models, and designs prudent market access and market withdrawal systems.Thirdly, aiming at the establishment and validity of internet insurance contract, and combining with the current e-commerce environment, the standard is established.Finally, while perfecting the Internet insurance information disclosure system, we should strengthen the protection of Internet insurance consumers' personal information, promote the perfection of the credit system, and build an open and transparent Internet insurance consumer protection mechanism.Promote the development of the entire Internet insurance industry.Against the background of the impact of the Internet market on the traditional market, perfecting the legal system of Internet insurance supervision in China will promote the development of Internet insurance in China and safeguard the interests of the public.And to promote the development of a harmonious society are of great significance.
【学位授予单位】：西南大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.284

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