發(fā)布時間：2018-08-08 11:20

【摘要】：盡管我國互聯(lián)網(wǎng)保險發(fā)展至今不足二十年時間,卻已經(jīng)歷從起步、探索到爆發(fā)等的一系列過程。隨著互聯(lián)網(wǎng)保險的模式增多,以及投保、理賠等各個環(huán)節(jié)都能在互聯(lián)網(wǎng)上完成,互聯(lián)網(wǎng)保險逐漸滲透到人們的日常生活之中。我國互聯(lián)網(wǎng)保險的相關(guān)監(jiān)管理念和方式滯后,使得互聯(lián)網(wǎng)保險的飛速發(fā)展如“雙刃劍”,當(dāng)前不僅帶來保險企業(yè)效益的增加和人們投保便利,而且也帶來了各種風(fēng)險,讓互聯(lián)網(wǎng)保險的發(fā)展面臨著與傳統(tǒng)保險所不同的困境。面對不斷發(fā)展的互聯(lián)網(wǎng)保險市場,政府逐漸意識到加強互聯(lián)網(wǎng)保險監(jiān)管的重要性,我國保險監(jiān)管部門對互聯(lián)網(wǎng)保險監(jiān)管的態(tài)度也日趨明確。目前的當(dāng)務(wù)之急,是要強調(diào)依法監(jiān)管,完善監(jiān)管體系建設(shè),以現(xiàn)代化手段保障保險監(jiān)管,這樣才能提高監(jiān)管的科學(xué)性和有效性,以此來營造公平、公正、有序的市場環(huán)境。此外,我國要建立層次豐富、高效全面的風(fēng)險防范和風(fēng)險化解體系,確保金融安全。本文首先結(jié)合2016互聯(lián)網(wǎng)保險行業(yè)發(fā)展報告、中國互聯(lián)網(wǎng)絡(luò)發(fā)展?fàn)顩r統(tǒng)計報告等相關(guān)統(tǒng)計數(shù)據(jù),提出我國互聯(lián)網(wǎng)保險的研究背景和研究意義。從互聯(lián)網(wǎng)保險的相關(guān)定義出發(fā),提出保險監(jiān)管的概念,梳理互聯(lián)網(wǎng)保險監(jiān)管理念和監(jiān)管目標(biāo)。在回顧我國互聯(lián)網(wǎng)保險發(fā)展歷程和現(xiàn)狀基礎(chǔ)上,闡述當(dāng)前監(jiān)管現(xiàn)狀以及可能存在的風(fēng)險,并分析深層次原因。在監(jiān)管理念、監(jiān)管體制、監(jiān)管法律、監(jiān)管內(nèi)容等方面借鑒國外的經(jīng)驗的基礎(chǔ)上,結(jié)合我國實際,從五方面:監(jiān)管原則和目標(biāo)、監(jiān)管主體和權(quán)責(zé)、監(jiān)管法律法規(guī)體系、監(jiān)管內(nèi)容及方式、監(jiān)管配套建設(shè),提出我國互聯(lián)網(wǎng)保險監(jiān)管機制應(yīng)當(dāng)如何完善的建議。
[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.
【學(xué)位授予單位】：江西財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F724.6;F842.0

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