完善我国互联网保险监管机制研究

发布时间：2018-08-08 11:20

【摘要】：尽管我国互联网保险发展至今不足二十年时间,却已经历从起步、探索到爆发等的一系列过程。随着互联网保险的模式增多,以及投保、理赔等各个环节都能在互联网上完成,互联网保险逐渐渗透到人们的日常生活之中。我国互联网保险的相关监管理念和方式滞后,使得互联网保险的飞速发展如“双刃剑”,当前不仅带来保险企业效益的增加和人们投保便利,而且也带来了各种风险,让互联网保险的发展面临着与传统保险所不同的困境。面对不断发展的互联网保险市场,政府逐渐意识到加强互联网保险监管的重要性,我国保险监管部门对互联网保险监管的态度也日趋明确。目前的当务之急,是要强调依法监管,完善监管体系建设,以现代化手段保障保险监管,这样才能提高监管的科学性和有效性,以此来营造公平、公正、有序的市场环境。此外,我国要建立层次丰富、高效全面的风险防范和风险化解体系,确保金融安全。本文首先结合2016互联网保险行业发展报告、中国互联网络发展状况统计报告等相关统计数据,提出我国互联网保险的研究背景和研究意义。从互联网保险的相关定义出发,提出保险监管的概念,梳理互联网保险监管理念和监管目标。在回顾我国互联网保险发展历程和现状基础上,阐述当前监管现状以及可能存在的风险,并分析深层次原因。在监管理念、监管体制、监管法律、监管内容等方面借鉴国外的经验的基础上,结合我国实际,从五方面:监管原则和目标、监管主体和权责、监管法律法规体系、监管内容及方式、监管配套建设,提出我国互联网保险监管机制应当如何完善的建议。
[Abstract]:Although the development of Internet insurance in China is less than 20 years, it has experienced a series of processes from beginning, exploring to erupting. With the increase of the mode of Internet insurance, as well as the insurance, claims and other aspects can be completed on the Internet, Internet insurance has gradually penetrated into people's daily life. The concept and mode of Internet insurance supervision in China lags behind, which makes the rapid development of Internet insurance such as "double-edged sword". At present, it not only brings about the increase of benefit of insurance enterprises and the convenience of people's insurance, but also brings all kinds of risks. The development of Internet insurance is faced with a dilemma different from that of traditional insurance. In the face of the continuous development of the Internet insurance market, the government is gradually aware of the importance of strengthening Internet insurance supervision, and the attitude of China's insurance regulatory authorities towards Internet insurance supervision is becoming increasingly clear. At present, the urgent task is to emphasize supervision according to law, to perfect the construction of supervision system, to guarantee insurance supervision by modern means, so as to improve the scientific nature and effectiveness of supervision, and to create a fair, just and orderly market environment. In addition, China should establish a rich, efficient and comprehensive risk prevention and risk resolution system to ensure financial security. Based on the 2016 Internet Insurance Industry Development report and the China Internet Development Statistics report, this paper puts forward the research background and significance of Internet Insurance in China. Based on the definition of Internet insurance, this paper puts forward the concept of insurance supervision, and combs the concept and goal of internet insurance supervision. On the basis of reviewing the development course and present situation of Internet insurance in China, this paper expounds the current regulatory situation and possible risks, and analyzes the deep-seated reasons. On the basis of the experience of foreign countries in the aspects of supervision idea, supervision system, supervision law, supervision content and so on, combined with the reality of our country, there are five aspects: supervision principle and objective, supervision subject and responsibility, supervision law and regulation system. The contents and methods of supervision, the construction of supervision, and the suggestions on how to perfect the supervision mechanism of Internet insurance in China are put forward.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F842.0

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