Research On Protection Of Internet Insurance Consumers' Rights And Interests

The increase of network coverage makes Internet insurance more and more prominent in the modern financial industry.Insurance companies,insurance intermediaries,etc.are starting to use network technology to sell products or provide services to customers online.The business model of the traditional insurance industry has been changed.In addition to inheriting the disadvantages of traditional insurance,Internet insurance also has its own characteristic defects.The consumer is always weak in market economy,the market economy operators often blindness and lag caused of the risk to the consumer,the consumer Internet insurance rights protection as the research object,by clarifying the related concepts,analysis of the Internet insurance development present situation and its development mode,summed up the key problems of consumer protection interest in the industry and the causes of the lack of protection of consumers' rights and interests system origin,value concept and development trend of foreign advanced legislation,and promote the protection of the path of Internet insurance rights and interests of consumers.In addition to the introduction,the paper is divided into four parts.The first part is the basic overview of the protection of the rights and interests of the Internet insurance consumers.Firstly,the basic overview of the Internet insurance,including the concept and the development status of the Internet insurance review,introduces the Internet insurance business mode;second is an overview of consumer Internet insurance;finally,from the big data industry to improve the environment of the objective requirements of the insurance industry,the Internet new governance model of the urgent requirement,the Internet insurance consumers vulnerable position protection the special requirements of the three aspects of the necessity of the thesis.The second part is under the overall paving of the first.It use observation empirical research method to carry out an empirical study of different problems.In the implementation of specific industries,key issues of consumer Internet insurance,including platform registration service agreement is not perfect,the Internet insurance information disclosure column,lack of information disclosure,disclosure of confusion electronic policy delay,investment products such as dislocation caused by the disclosure of the protection of the rightto know the problem,because of the personal information protection clause is missing,network security environment unilateral exemption,the protection of personal information,fuzzy information collection and use of information beyond the reasonable scope of authorization is unclear as a result of the personal information right,because the third party payment system is not perfect in the capital security problems and dispute resolution for site set low penetration rate,dispute resolution rules obviously weak,rights of way as a result,the cost of a single large relief right.The third part analyses the cause of the problem on the basis of the second part of the problem.From the aspect of legal guarantee system lag,the problem is that the laws and regulations of the lack of adaptability,operability and harmony;from the soft law is weak,find the root of the problem lies in the lack of internal protection system and industry self-regulation from the industry;supervision mechanism vacancy,the problem lies in the regulation is not timely,and not a single means of supervision targeted;from the way of dispute settlement is not smooth,the root of the problem lies in the judicial and non litigation settlement mechanism is insufficient.The fourth part is to improve the protection of the rights and interests of the Internet insurance consumers on the basis of the combination of the domestic actual situation and the extraterritorial experience.Starting from the cause of the problem,the path is explored.In the legal dimension,should pay attention to a hard law and soft law driving effect,not only accelerate the legislation at national level,while focusing on the self-discipline management regulations formulated and industry standards of internal operators;the industry regulatory dimension,clear regulatory principles,perfecting information disclosure,civil liability of infringement of the rights and interests of consumers of Internet insurance the establishment of personal information protection,financial security and other key content of supervision system,;dispute resolution in dimension,the establishment of a multi-level dispute resolution mechanism,the insurance industry association of electronic evidence depository system,pay attention to consumer rights protection publicity and education.