Study On The Legal Supervision Systerm Of Internet Insurance In China

In the "Internet +" era,along with the development of Internet information technology and e-commerce technology,insurance institutions use the Internet platform to sell insurance products,and provide insurance services,which set up insurance business models.This change makes Internet insurance containsdevelopment potential,but faces a lot of legal issues.From the Internet insurance positioning analysis,the history of the development of Internet insurance and,the main operating modes-pure Internet insurance business model,insurance agencies operating the official website model and third-party platform business model-began to discuss.Contrasting the Internet insurance with the traditional insurance business model,pointing out the characteristics of Internet insurance.By analyzing the risks in the process of Internet insurance operation,the necessity of legal supervision of Internet insurance is discussed,and the basic theories such as subject,object and content of Internet insurance supervision are expounded,and then analyzing the legislation of Internet insurance in China and the existence of the regulatory system: Firstly,the regulatory concept need to be improved;secondly,the Internet insurance market access and exit system is not very well;thirdly,the Internet insurance contract insurance format terms and obligations,insurance contract that the standard is not clear;fourth,lack of protection of consumer rights.In the view of the regulatory issues,drawing on the United States,Britain and Japan and other countries of the legal supervision system,and improving our country`s legal supervision system recommendations.Firstly,establish a balance between the concept of the development and supervision of the Internet insurance industry,and establish a consumer protection priority regulatory concept;secondly,improve the Internet insurance legislation level,which is basing on the existing laws and regulations,improving from the laws,administrative regulations to departmental rules of multi-level legislation system;thirdly,make sure of the Internet insurance market access funds,staffs and other conditions;Fourth,combine with the Internet insurance solvency,unifyInternet insurance exit criteria,the design of scientific and reasonable simplified exit process;Fifth,design the insurance contractto highlight the format clause,the regulatory authorities to conduct the necessary review of the Internet insurance products for the record;Sixth,ensure that Internet insurers and policyholders eligible,the insured has a real meaning that,and the existence of insurance benefits;seventh,the establishment of risk early warning mechanism,product sales misleading prevention mechanism to ensure that the legitimate rights and interests of consumers.