金融学院知识库

    作为保险服务与保险销售的新形态，互联网保险在互联网技术不断深入应用的过程中对保险监管和保险业态的影响愈发深刻,其在快速发展中所暴露的问题和隐患也不断挑战着保险业的发展和监管，与此同时，我国的互联网保险监管制度、监管体系尚未完善，监管人才匮乏，政府对于监管手段制定和完善的速度远不及互联网保险的发展速度，这无疑使互联网保险的监管难上加难。面对如此严峻的形势，探究我国互联网保险发展中存在的典型问题以及监管中存在的不足，并针对这些问题与不足提出行之有效的监管对策就显得尤为重要。

    本文运用理论分析法、文献分析法和案例分析法，先对互联网保险的含义进行界定，简单介绍我国近年来互联网保险内涵的演变，引出互联网保险的发展历程及其发展现状，以不完备法律理论、网络经济学理论等为理论依据，结合五种互联网保险主要模式的案例,分析该业务在发展中存在的突出问题以及监管困境，借鉴美国、日本、欧盟互联网保险监管的先进经验，从三个视角提出完善我国互联网保险监管的建议：一是政府监管方面，完善监管法制体系、加强数据安全保护；二是行业自律方面，完善信息披露制度、协调市场准入退出机制、建立信用等级评估体系、构建多元化纠纷处理机制、培养专业监管人才；三是社会监督方面，建立可回溯管理与服务评价体系、发挥社会舆论监督作用。

    有效的互联网保险监管不仅能为互联网保险进行深刻变革提供制度保障，同时也能加强对消费者合法权益的维护，为国民经济健康稳定发展目标的实现奠定基石。

    As a new form of insurance services and insurance sales, online insurance has a more profound impact on insurance regulation and insurance formats in the process of the continuous in-depth application of Internet technology. The problems and hidden dangers exposed in its rapid development are also constantly challenging the development and supervision of the insurance industry. At the same time, Chinese online insurance regulations and regulatory system are not improved, and there is a lack of regulatory affair. The government’s formulation and improvement of supervisory approaches is far less than the development of online insurance, which undoubtedly makes online insurance industry even more difficult to regulate. In the face of such a severe situation, it is particularly important to explore the typical problems in the development of Chinese online insurance and the deficiencies in supervision, and put forward effective supervision countermeasures.

    Using the methods of literature analysis, theoretical analysis and case analysis, this paper firstly defines the meaning of online insurance, briefly introduces the evolution of the connotation of online insurance in China in recent years, and leads to the development process and current situation. Based on Incomplete Law Theory, Network Externality Theory, and so on, this paper uses cases of five main modes, analyzes the problems and regulatory difficulties in the development of this business, and draws lessons from the advanced experience of online insurance regulation in the United States, Japan and Europe, and puts forward suggestions on improving Chinese online insurance regulation from three perspectives: the first one is government regulation, we need to improve the legal system and strengthen data security; the second one is self-regulation, we should improve the Disclosure System, association with the Access and Exit Mechanism, establish Credit Rating Evaluation System, build a Multi-Factor Dispute Resolution Mechanism and education supervision affair; the third one is social supervision, we could establish the Traceability Management and the Service Evaluation System and play a public opinion role.

    The effective supervision of online insurance not only provides institutional guarantee for the profound reform, but strengthens the protection of consumers' legitimate rights and interests, laying the foundation for the healthy and steady development of national economy.