论互联网保险合同的法律风险控制

发布时间：2018-02-16 09:49

本文关键词： 互联网保险互联网保险合同法律风险　出处：《浙江工商大学》2015年硕士论文　论文类型：学位论文

【摘要】：互联网保险开创了保险交易的全新模式,但也对保险法律制度提出新的市场需求。我国互联网保险发展起步较晚,目前尚处互联网保险相关立法、传统保险合同制度及配套监管制度均滞后于互联网保险创新的局面。互联网保险合同的磋商、签订及履行是互联网保险交易的核心环节,互联网保险法律制度的缺位加剧了互联网保险合同有别于传统互联网保险合同的新型法律风险。鉴于此,本文在提炼互联网保险合同与传统保险合同异同点的基础上,重点探究互联网保险合同在立法层面、实践阶段及监管制度层面有别于传统保险合同的三类法律风险,进而相对应提出互联网保险合同立法、互联网保险合同制度及监管制度三个方面的法律风险控制措施。本文第一部分为互联网保险合同概述。介绍互联网保险的概念及主要特征,由此为基础阐述互联网保险合同的概念、缔约模式和法律特征,分析互联网保险合同的法律关系,为后文互联网保险合同法律风险的类型化分析提供理论支持。同时,比较分析互联网保险合同与传统保险合同之间的共性和差异性,划定后文互联网保险合同类型化法律风险的讨论范围,即对互联网保险合同所特有的有别于传统保险合同的法律风险进行阐释。第二部分为我国互联网保险合同面临的法律风险类型化分析。以归纳互联网保险合同法律风险的概念和特征为基础,着眼于互联网保险合同相关立法、互联网保险合同制度与互联网保险合同监管制度三个视角,深入探究互联网保险合同各类法律风险的成因和表现。第三部分为全文的重点。基于前二部分阐述,进一步提出互联网保险合同的法律风险防控措施。针对互联网保险合同的立法缺陷,提出建立并完善以互联网保险基础性法律为核心,配套法律法规为补充的法律体系；针对互联网保险的合同制度缺陷,提出细化互联网保险合同订立与履行过程中的相关法律规定；针对互联网保险合同监管制度的缺陷,提出健全互联网保险消费者权益保护机制并加大第三方平台的监管力度。
[Abstract]:Internet insurance has created a new mode of insurance transaction, but it also puts forward a new market demand for the legal system of insurance. The development of Internet insurance in China started relatively late, and at present it is still in the relevant legislation of Internet insurance. The traditional insurance contract system and supporting supervision system lag behind the situation of Internet insurance innovation. The negotiation, signing and implementation of Internet insurance contract are the core link of Internet insurance transaction. The absence of the legal system of Internet insurance intensifies the new legal risk that Internet insurance contract is different from traditional Internet insurance contract. In view of this, this paper based on refining the similarities and differences between Internet insurance contract and traditional insurance contract. Focusing on the Internet insurance contract in the legislative level, the practice stage and the supervision system level is different from the traditional insurance contract in three kinds of legal risks, and then corresponding to the Internet insurance contract legislation. Legal risk control measures in three aspects of Internet insurance contract system and supervision system. The first part of this paper is an overview of Internet insurance contract. It introduces the concept and main characteristics of Internet insurance. Based on this, this paper expounds the concept, contracting mode and legal characteristics of Internet insurance contract, analyzes the legal relationship of Internet insurance contract, and provides theoretical support for the typological analysis of the legal risk of Internet insurance contract. Comparing and analyzing the commonness and difference between the internet insurance contract and the traditional insurance contract, delimiting the discussion scope of the legal risk of the type of the internet insurance contract later on, The second part is the analysis of the types of legal risks faced by internet insurance contracts in our country, in order to sum up the law of internet insurance contract law. Based on the concept and characteristics of risk, Focusing on the Internet insurance contract related legislation, the Internet insurance contract system and the Internet insurance contract supervision system three angles of view, The third part is the focus of the full text. Based on the first two parts, The legal risk prevention and control measures of Internet insurance contract are further put forward. Aiming at the legislative defects of Internet insurance contract, the author puts forward the establishment and improvement of the legal system which is based on the basic law of Internet insurance and supplemented by supporting laws and regulations. Aiming at the defects of the contract system of Internet insurance, this paper puts forward some relevant legal provisions in the process of concluding and executing the contract of Internet insurance, and aims at the defects of the supervision system of the contract of Internet insurance. Put forward to improve the Internet insurance consumer rights and interests protection mechanism and strengthen the third-party platform supervision.
【学位授予单位】：浙江工商大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923.6;D922.284

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