Rearch Of The Mechanism Of Insurance Consumers’ Rights And Interests

Now people’s living standard is improving gradually，in order to enhance thequality of life better people come to realize the importance of insurance, insuranceproducts have begun to enter people’s horizons and became a necessity for manypeople’s lives. Due to insurance products have many places with traditionalcommodities which can be seen, which makes consumers choose to buy very difficult toachieve a comprehensive and accurate understanding of insurance products, which is ina weak position clearly in the transaction. And because of the insurance marketinformation asymmetry serious and the insurance knowledge of consumer is lack, thephenomenon which insurance consumers rights and interests is infringement by theinsurer occurred frequently. It is not only damaged the insurance consumers greatly inbuy insurance products enthusiasm, more importantly, they have lost confidence in theinsurance industry, which is not conducive to the overall economic development inChina. Insurance Consumer Protection has caused widespread concern in thecommunity, China has also introduced policies to protect their rights and interests,which also includes amendments to the new "Insurance Law", which no doubt reflectsthe Chinese government to strengthen the interests of insurance consumers protection ofintention, however, there are many shortcomings in our protection, establish a soundinsurance consumer protection system is to be done at this stage.This text first analyzes the definition of the rights and interests of insuranceconsumers, and then analyzes the shortcomings and problems of our current legalsystem to protect the interests of insurance consumers, and to learn from the advancedexperience of foreign countries and measures to protect insurance consumers Finally,combined with China’s actual conditions put forward my suggestions.The first part describes the background and significance, and the use of empiricalresearch and comparative analysis of the domestic and foreign literature weresummarized, the last hope for this topic can be obtained by methods of practicalsignificance to the insurance consumer rights protection.The second part defines the difference between the definition and the generalconsumer and insurance consumers, and by the special nature of the analysis ofinsurance consumers, insurance consumers should have made some special rights,explains the necessity to protect the interests of insurance consumers. The third section describes the status quo in terms of insurance consumerprotection, respectively, from the legislative and regulatory aspects of the existingproblems and shortcomings are analyzed, further emphasizing the importance andnecessity of strengthening the protection of the insurance consumer rights.Part IV describes the United Kingdom, the United States, Japan three countries ona number of measures and legislative provisions to protect the interests of insuranceconsumers, through the advanced experience of these countries for reference, and withthe current status quo established system suitable for China, in order to protectinsurance consumer Rights.The fifth part of a detailed analysis of how to improve consumer protectioninsurance, the legislation specifically related to the principle of insurance consumersfirst, followed by improving the existing insurance law deficiencies; should strengthenthe supervision of the insurance sector supervision, improve the information disclosuresystem and disputes settlement mechanism, and gradually transition to solvencyregulation, in addition to our insurance self discipline organization should have orderlydevelopment and improvement.