The Study Of Investment-oriented Insurance Supervision Legal System Under E-Commerce Environment

Investment-oriented insurance originated in Europe in 1950 s, and has quickly become the mainstream products in the life insurance market. As the innovation of life insurance products, investment-oriented insurance transfers the option and risk of investment to customers. Under the environment of e-commerce, the development of investment-oriented insurance becomes more rapid, the market is full of various types of investment-oriented insurance, but the development of relevant laws and regulations are lagging behind this situation. It needs to be improved. This article takes the example of "Ali entertainment treasure", sorts out the basic problems of investment type insurance and electronic commerce, combined with the existing in China's current regulatory issues and foreign supervision experience, put forward a series of improving the level of supervision measures. Including the establishment of the basic principles of investment oriented insurance supervision under the e- commerce environment, legal norms, improve the legal level, improve the legislative system; Increase the subject of regulatory responsibility, multi direction supervision, improve the means and methods of supervision; clear and define the legal attribute of investment-oriented insurance under the e-commerce environment and strengthen the supervision measures; radicate the specific regulatory standards for the market behavior of related subjects of investment-oriented insurance, puts forward some suggestions for the construction of specific systems.This paper is divided into 6 chapters.Chapter one: Sample analysis: "Ali entertainment treasure" and its legal supervision, this part mainly focuses on Ali entertainment treasure, the innovative financial products of Alibaba Ltd. Analysis of its properties, separates it from crowdfunding, studies the legal relations in the entertainment treasure, and puts forward a series of legal problems caused by Ali entertainment treasure. This chapter is a major innovation for the pectination of the properties of “entertainment treasure”.Chapter two: E-commerce, investment-oriented insurance and investmentoriented insurance supervision legal system: This part from the entertainment treasure dimension link to three core key words, including investment-oriented insurance, electronic commerce, investment-oriented insurance supervision legal system. Firstly defines the connotation of e-commerce, including the concept and types; then describes the definition, legal attribute, main types of investment-oriented insurance, laying a theoretical and logical basis for the paper, the analysis of the legal attribute of the investment-oriented insurance is one of the innovation points of this paper. Then briefly introduces the type of investment-oriented insurance business platform under e-commerce environment. The last part is the interpretation of the legal system of investment insurance supervision, including its connotation, main content, production and significance.Chapter three: Combined with the study of some foreign countries or regions, puts forward the experience and enlightenment of foreign countries to carry out investment-oriented insurance supervision and improve supervision legal system under the E-commerce environment.Chapter four: Starts with our country's current investment-oriented insurance legal supervision status, points out that the legal relationship of investment-oriented insurance in our country is mainly adjusted by the insurance law and complemented by a series of regulations and normative documents, and then abide by the relevant provisions of e-commerce. Furthermore, the article probes into some existing deficiencies in the supervision, which provides practical basis for the later discussion of complete measures of the legal supervision system in our country's investment-oriented insurance.Chapter five: Study on countermeasure thinking of the improvement of investment-oriented insurance supervision legal system under the e-commerce environment of our country, on the basis of the problems that this article discussed before, puts forward the corresponding solution measures, Including the establishment of the basic principles of investment type insurance supervision under the e-commerce environment, and in the case of reference and reflection, put forward the plan of improvement and perfection of legal level, the subject of supervision, supervision means and methods, and come up with the perfecting scheme to regulate the relevant market behavior.Chapter six: The conclusion of this article.