本文選題：互聯(lián)網(wǎng)保險(xiǎn)　切入點(diǎn)：保險(xiǎn)監(jiān)管　出處：《西南大學(xué)》2017年碩士論文

【摘要】：隨著經(jīng)濟(jì)的發(fā)展,電子商務(wù)的交易量也在迅速增加,“互聯(lián)網(wǎng)+”的時(shí)代已經(jīng)到來(lái)。傳統(tǒng)保險(xiǎn)業(yè)也加入了這一領(lǐng)域,打造互聯(lián)網(wǎng)與保險(xiǎn)的融合。它不僅僅是渠道的創(chuàng)新,還帶來(lái)了營(yíng)銷的創(chuàng)新和模式的創(chuàng)新,以及未來(lái)即將出現(xiàn)的互聯(lián)網(wǎng)保險(xiǎn)生態(tài)圈�；ヂ�(lián)網(wǎng)保險(xiǎn)的創(chuàng)新在為保險(xiǎn)企業(yè)和投保人帶來(lái)高效便利的同時(shí),也隱藏了較大的風(fēng)險(xiǎn)。然而我國(guó)目前的互聯(lián)網(wǎng)保險(xiǎn)監(jiān)管現(xiàn)狀卻令人擔(dān)憂,如何在防范風(fēng)險(xiǎn)的同時(shí)鼓勵(lì)、支持互聯(lián)網(wǎng)保險(xiǎn)的發(fā)展是我們當(dāng)前需要解決的重要問(wèn)題。與傳統(tǒng)保險(xiǎn)相比,互聯(lián)網(wǎng)保險(xiǎn)具有虛擬性、時(shí)效性、直接性、跨域性等特點(diǎn)。信息技術(shù)的飛速發(fā)展使得其具有不同于傳統(tǒng)保險(xiǎn)的法律風(fēng)險(xiǎn)、信用風(fēng)險(xiǎn)、信息安全風(fēng)險(xiǎn)等,這也給當(dāng)前的監(jiān)管帶來(lái)了挑戰(zhàn)。最近幾年,保監(jiān)會(huì)大力整頓互聯(lián)網(wǎng)保險(xiǎn)行業(yè),然而假保單、偽創(chuàng)新、信息泄露等事件仍時(shí)有發(fā)生。2015年10月出臺(tái)的《互聯(lián)網(wǎng)保險(xiǎn)監(jiān)管暫行辦法》是我國(guó)互聯(lián)網(wǎng)保險(xiǎn)監(jiān)管法律制度的首次系統(tǒng)性文件。但針對(duì)目前的監(jiān)管實(shí)踐仍然顯得心有余而力不足,主要存在著互聯(lián)網(wǎng)保險(xiǎn)市場(chǎng)準(zhǔn)入制度和市場(chǎng)退出制度的不完善、互聯(lián)網(wǎng)保險(xiǎn)合同締結(jié)及履行存在監(jiān)管障礙、信用安全監(jiān)管、信息披露以及消費(fèi)者權(quán)益保護(hù)中存在的問(wèn)題等。因此,結(jié)合當(dāng)前的互聯(lián)網(wǎng)大環(huán)境,檢討我國(guó)互聯(lián)網(wǎng)保險(xiǎn)監(jiān)管存在的不足,完善我國(guó)互聯(lián)網(wǎng)保險(xiǎn)監(jiān)管的立法和具體制度,是穩(wěn)定金融秩序保護(hù)市場(chǎng)競(jìng)爭(zhēng)之必要。國(guó)外已經(jīng)形成了成熟的監(jiān)管制度,在分析與借鑒美國(guó)、英國(guó)、日本等國(guó)的優(yōu)秀的互聯(lián)網(wǎng)保險(xiǎn)監(jiān)管經(jīng)驗(yàn)的基礎(chǔ)上,探索我國(guó)互聯(lián)網(wǎng)保險(xiǎn)監(jiān)管的思路與制度建設(shè)。在完善我國(guó)互聯(lián)網(wǎng)保險(xiǎn)監(jiān)管法律制度的進(jìn)程中,首先要做到的是確立監(jiān)管的目標(biāo)及原則,確保監(jiān)管主體有的放矢地實(shí)施監(jiān)管行為。其次針對(duì)監(jiān)管對(duì)象,區(qū)分以不同模式活躍于互聯(lián)網(wǎng)的互聯(lián)網(wǎng)保險(xiǎn)機(jī)構(gòu),設(shè)計(jì)審慎的市場(chǎng)準(zhǔn)入及市場(chǎng)退出制度。再次,針對(duì)監(jiān)管內(nèi)容即互聯(lián)網(wǎng)保險(xiǎn)合同的成立與生效,結(jié)合當(dāng)前電子商務(wù)環(huán)境,設(shè)立規(guī)范標(biāo)準(zhǔn)。最后,完善互聯(lián)網(wǎng)保險(xiǎn)信息披露制度的同時(shí)加強(qiáng)對(duì)互聯(lián)網(wǎng)保險(xiǎn)消費(fèi)者個(gè)人信息的保護(hù),促進(jìn)信用體系的完善,構(gòu)建公開透明的互聯(lián)網(wǎng)保險(xiǎn)消費(fèi)者保護(hù)機(jī)制,推動(dòng)整個(gè)互聯(lián)網(wǎng)保險(xiǎn)行業(yè)的發(fā)展。在互聯(lián)網(wǎng)市場(chǎng)沖擊傳統(tǒng)市場(chǎng)的時(shí)代背景下,完善我國(guó)互聯(lián)網(wǎng)保險(xiǎn)監(jiān)管的法律制度,對(duì)于推動(dòng)我國(guó)互聯(lián)網(wǎng)保險(xiǎn)的發(fā)展,維護(hù)社會(huì)公眾的利益,以及促進(jìn)和諧社會(huì)的發(fā)展都具有重要意義。
[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.
【學(xué)位授予單位】：西南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：D922.284

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