互联网保险监管制度研究

发布时间：2018-04-29 09:17

本文选题：互联网保险 + 问题　；参考：《广东财经大学》2017年硕士论文

【摘要】：互联网保险是互联网金融的一种,在社会生活中发挥着越来越重要的作用。近年来,随着经济的快速发展和互联网技术的提高,我国互联网保险面临的问题也越来越多,给我国互联网保险的监管带来了极大的挑战。因此,为保证互联网保险的健康持续发展,必须加强对互联网保险所存在问题的分析和研究。本文以互联网保险为研究对象,首先介绍了互联网保险的涵义、发展现状以及主要运营模式。其次分析了当前互联网保险所具有的主要法律问题,其中包括与信息安全风险有关的个人信息泄露问题、道德风险有关的恶意索赔和欺诈的问题等。最后通过介绍国外互联网保险监管的成功经验,并结合我国当前监管的不足,提出完善互联网保险监管的具体路径。即要从监管的法律机制以及相关的辅助机制入手,通过健全互联网保险的准入退出机制、加强保险消费者信息安全保护、建立风险防范和预警系统等来实现互联网保险的有效监管。
[Abstract]:Internet insurance is a kind of Internet finance, which plays a more and more important role in social life. In recent years, with the rapid development of economy and the improvement of Internet technology, China's Internet insurance faces more and more problems, which brings great challenges to the supervision of China's Internet insurance. Therefore, in order to ensure the healthy and sustainable development of Internet insurance, it is necessary to strengthen the analysis and research on the problems of Internet insurance. This article regards Internet insurance as the research object, first introduces the meaning, the present situation and the main operation mode of the Internet insurance. Secondly, the main legal problems of Internet insurance are analyzed, including personal information disclosure related to information security risk, malicious claims related to moral hazard and fraud, etc. Finally, by introducing the successful experiences of foreign countries, and combining with the shortcomings of China's current supervision, the paper puts forward the specific ways to improve the supervision of Internet insurance. That is, we should start with the legal mechanism of supervision and related auxiliary mechanisms, strengthen the information security protection of insurance consumers by improving the access and withdrawal mechanism of Internet insurance. Establish risk prevention and early warning system to realize the effective supervision of Internet insurance.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.284

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