电子商务环境下投资型保险监管法律制度研究

发布时间：2018-09-11 12:38

【摘要】：投资型保险可溯源至20世纪50年代的欧洲,并迅速发展为占据人寿保险市场主流的保险产品。作为人寿保险的创新性产品,投资型保险将投资的选择权和风险转嫁给顾客,由顾客对保险公司的投资盈亏承担风险。在电子商务的环境下,投资型保险发展更为迅猛,市场上充盈着各类型的投资型保险,而相应的法律规范却有些滞后于形势的发展,亟须加以完善之。本文以“阿里娱乐宝”的实例引入,在对投资型保险、电子商务、监管法律制度的基础性问题各自梳理后,结合我国当前监管中存在的问题和域外的监管经验,提出了一系列提升监管水平的措施。包括确立电子商务环境下投资型保险监管的基本原则;整理监管法律规范,提升法律层级,完善立法体系;增加监管责任主体,多方位监管,完善监管的手段和方式;明确电子商务环境下投资型保险法律属性,强化监管手段;明确投资型保险相关主体市场行为的具体监管标准,对具体制度的构建提出了一些建议。本文共分为六章:第一章,实例及其评析。“阿里娱乐宝”及其引出的法律问题,本部分主要围绕阿里娱乐宝这一创新型金融产品,分析了其性质,提出其与众筹的差别,研究了娱乐宝中存在的法律关系,并在此基础上讨论了娱乐宝所引发的一系列法律问题。本章对于“娱乐宝”性质的梳理属于本文的一大创新点,第二章,电子商务、投资型保险与投资型保险监管法律制度。本部分从娱乐宝的维度链接到投资型保险、电子商务、投资型保险监管法律制度三个核心关键词,首先对电子商务的内涵进行界定,包括其概念及类型;然后对投资型保险的定义、法律属性、主要类型等基本问题进行了阐释,旨在为全文展开奠定理论和逻辑基础,其中对于投资型保险的法律属性分析属于本文的创新点之一,然后简要介绍了电子商务环境下的投资型保险经营平台的类型;之后是对投资型保险监管法律制度的解读,包括其涵义、主要内容及意义。第三章选取部分域外国家或地区,对其相关监管经验进行考察,提炼出了域外对电子商务环境下开展投资型保险监管及其完善监管法律制度的经验及启示。第四章从当前我国投资型保险的法律监管现状出发,指出我国投资型保险法律关系主要由保险法进行调整,辅之以系列规章及规范性文件,并应遵守电子商务法的相关规定,然后文章重点探讨了监管中存在的一些不足,为后文讨论我国投资型保险监管法律制度的完善措施提供实践基础。第五章对我国电子商务环境下投资型保险监管法律制度进一步完善的思考,在前文所提出问题的基础上提出相应解决措施,包括确立电子商务环境下投资型保险监管的基本原则,并在借鉴和反思的基础上,对法律层级、监管主体、监管手段和方式、对相关市场主体行为监管等方面提出了进一步完善的方案。第六章对文章作出总结。
[Abstract]:Investment insurance can be traced back to Europe in the 1950s and developed rapidly into an insurance product that dominates the life insurance market. As an innovative product of life insurance, investment-type insurance transfers the investment option and risk to the customer, and the customer bears the risk to the profit and loss of the insurance company's investment. In the environment of electronic commerce, investment-type insurance develops more rapidly, and the market is filled with various types of investment-type insurance, but the corresponding legal norms lag behind the development of the situation, which should be improved urgently. This article introduces the example of "Ali Entertainment Treasure", after combing the basic problems of investment insurance, electronic commerce and supervision legal system, combining the problems existing in the current supervision and the overseas supervision experience of our country. Put forward a series of measures to improve the level of supervision. It includes establishing the basic principles of investment insurance supervision under the environment of electronic commerce, sorting out the legal norms of supervision, upgrading the legal hierarchy, perfecting the legislative system, increasing the subject of supervisory responsibility, supervising in all directions, and perfecting the means and methods of supervision. This paper clarifies the legal attributes of investment-type insurance under the environment of electronic commerce, strengthens the means of supervision, clarifies the specific supervision standards of the market behavior of investment-type insurance related subjects, and puts forward some suggestions for the construction of specific systems. This paper is divided into six chapters: the first chapter, examples and their evaluation. "Ali Entertainment Treasure" and its legal problems, this part mainly revolves around Ali Entertainment Bao, an innovative financial product, analyzes its nature, puts forward the difference between it and crowdfunding, and studies the legal relationship in entertainment treasure. On this basis, a series of legal problems caused by entertainment treasure are discussed. This chapter combs the nature of "entertainment treasure" is a major innovation of this article, chapter two, electronic commerce, investment insurance and investment insurance regulatory legal system. This part from the entertainment treasure dimension links to the investment type insurance, the electronic commerce, the investment type insurance supervision legal system three core keywords, first carries on the definition to the electronic commerce connotation, including its concept and the type; Then the definition, legal attribute and main types of investment-type insurance are explained in order to lay a theoretical and logical foundation for the full text, in which the analysis of the legal attributes of investment-type insurance belongs to one of the innovative points of this paper. Then it briefly introduces the types of investment insurance management platform under the environment of electronic commerce, and then explains the legal system of investment insurance supervision, including its meaning, main content and significance. The third chapter selects some foreign countries or regions to investigate their relevant regulatory experience, and extracts the experience and enlightenment of overseas investment insurance supervision and the improvement of regulatory legal system under the environment of electronic commerce. The fourth chapter points out that the legal relationship of investment-type insurance in our country is mainly regulated by insurance law, supplemented by a series of regulations and normative documents, and should abide by the relevant provisions of e-commerce law. Then the paper focuses on some deficiencies in supervision, which provides a practical basis for the discussion of the legal system of investment insurance supervision in China. In the fifth chapter, the author thinks about the further perfection of the legal system of investment insurance supervision in the electronic commerce environment of our country, and puts forward the corresponding solution measures on the basis of the problems raised above. Including the establishment of the basic principles of investment insurance supervision under the environment of electronic commerce, and on the basis of reference and reflection, the legal hierarchy, the main body of supervision, the means and methods of supervision, Put forward the further perfect plan to the related market main body behavior supervision and so on. Chapter six summarizes the article.
【学位授予单位】：重庆大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.284

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