Research On Consumer Rights And Interests Protection Of Insurance

With the rapid development of China’s insurance industry, insurance institutions have been expanding, insurance products and people’s daily production and life of the increasingly close relations. However, due to insurance consumers lack of understanding and knowledge of insurance, the insurance market serious information asymmetry, lead to the insurance consumers are often in a weak position in the insurance transaction process, so that consumers’ legitimate rights and interests of the phenomenon of frequent occurrence of damage insurance. In the past, China’s insurance industry to increase development focus in the expansion of the scale of insurance institutions and the insurance premium income, tend to neglect the protection of the legitimate rights and interests of insurance consumers, resulting in insurance sales staff persuasion or misleading insurance consumers phenomenon emerge in an endless stream. In recent years, relevant departments of our government has actively adopted various means of supervision and promulgated a series of laws and regulations to regulate the insurance transaction activities, and achieved certain results, but there are still many defects and shortcomings in the aspect of insurance consumer rights and interests protection. How to effectively protect the legitimate rights and interests of insurance consumers, become a major issue to be resolved in the financial field.In this paper, using semantic analysis, inductive analysis, various research methods such as historical analysis and legal interpretation,with the basic problems of insurance protection of consumers’ rights and interests as the starting point, in-depth and meticulous analysis of the current situation of protecting consumer rights in China and the existing problems, based on the successful practice of consumer learning England, America, Japan and other countries to protect the rights and interests of the insurance and useful experience, in combination with the reality of China’s insurance industry, put forward specific measures to improve the legal rights and interests of consumers in our country insurance, that is to perfect the insurance consumer protection related legislation, perfect construction of insurance consumer protection regulatory system, a set of multi model of insurance consumer dispute resolution mechanism, the establishment of "four in one" insurance protection of consumers’ rights and interests of long-term mechanism.