Issurance Consumer's Rights And Interests Protection Research In China

With the improvement of living standards,more and more people are turning to the commercial insurance,although the credibility of our country's commercial insurance once be questioned,but its irreplaceable advantages still make a lot of people to became a member of the commercial insurance consumers.People have a Love-hate feeling about commercial insurance,professional and obscure words of commercial insurance,always make the consumer to be muddled,the rights and interedts are vulnerable to violate.Insurance consumers apparently became the weak,at the present,insurance consumer in our country lack self-protection ability,consciousness of self-protection is weak,the law and system of administrative supervision is not perfect,the insurer's infringement behavior lack of widespread social supervision and severe measures of punishment.Not only consumers' rights and interests are obviously damaged,but also it's disadvantage to the insurance industry to be healthy and sustainable development.Therefore,it is necessary to safeguard the rights and interests of insurance consumers how to effectively strengthen the theory research,put forward feasible suggestions,reasonably guide the practice.Research on the protection of insurance consumers on abroad or at domestic has a different focus,in general,mainly divides into perfect legal measures,supervision measures.And then put forward improving the insurance consumers their own knowledge and consciousness,a series of measures such as open channels of insurance benefits,and then puts forward the establishment of insurance consumers' rights and interests protection concepts.These studies for the reform of the insurance industry provides a clear train of thought.The articles from the defects of the insurance product itself,sales misleading,difficult of settlement of claims,information asymmetry these aspects as the breakthrough point,analyze the reasons of the existence of insurance protection of the rights and interests of consumers,and then find the theoretical basis and draw lessons from foreign advanced experience on our country's enlightenment,thus draws the consumer rights protection in China should make a reform and perfect research theory.The particularity of insurance product itself led to the particularity of insurance consumption,led to the particularity of insurance consumers,led to sales misleading,led to the insurance industry claims the phenomenonone to know closerly what we want to ascertain the answer to the question.This is also one of the bright spots.Finally put forward to establish insurance consumers' rights and interests protection concepts,clear the principle of insurance consumers' rights and interests protection is also a big innovation.Because the similar thesis ralely put forward such views except some individual articles in journals.Concept and principle of consumers' rights and interests protection in reform and perfect aspects play a very important role in our country,and specifically put them on the first place is very necessary.This paper puts forward the concrete measures of protection insurance consumers with pertinence,is clear to solve information asymmetry,sales misleading,claims difficult problems.Hope such measures regulation insurance can bring new ideas,achieve good results.