Research On Anti-fraud Regulation Of Internet Insurance

Internet insurance industry is an emerging industry in China.In recent years,With the progress and popularity of Internet technology,Online trading platform continues to mature,and the number of Chinese internet users rise rapidly in the past decade,internet insurance industry is developing rapidly.But because the industry started late,at present,the relevant laws and regulations to regulate this industry are imperfect,and the regulatory body is vacant,these circumstances make the behavior of Internet insurance transactions are not standardized,the market order is chaotic.There are many problems in the development process of the Internet insurance industry,such as fraud issues,information security issues,unfair competition issues,etc.Among these problems,the most prominent problem is fraud.Internet insurance fraud problems occur frequently is a big harm to this industry and the victim of the transaction.In order to better safeguard the Internet insurance market order,protect the interests of both parties to the transaction and Promote the healthy development of the industry,our country should carry on more effective legal regulation to Internet insurance fraud problem.Removes the introduction part,this article is divided into four parts:The first part mainly introduces the form of fraud in the internet insurance industry.This part focuses on the concept and characteristics of the internet insurance fraud issues,and summarizes the forms of the internet insurance fraud through several typical cases such as the Ctrip false insurance policy case.The second part mainly analyzes the present situation and the insufficiency of our country's Internet insurance anti-fraud legal regulation.Specifically,first of all,discusses the existing legislative system,the content of legal regulation and the regulatory body;then,analyzes the shortcomings of the current legal regulation from the above three aspects.The third part mainly studies and learns from foreign Internet insurance anti-fraud laws and regulations.The author studies the relevant legal systems of the United States,the United Kingdom and Japan from the aspects of the development of Internet insurance,the legislative situation,the supervision idea,the supervisory body,etc.And summarizes the system content which has the reference significance to our country.The fourth part puts forward some thoughts suggestions on perfecting the legal regulation system of the internet insurance anti-fraud in our country.Specifically,from the legislation,promulgate a special Internet insurance law,and improve the relevant laws and regulations,Forming a systematic legislative system;from the content of legal regulation,we should focus on the content of anti-fraud,to make up for loopholes in the legal system;from the regulatory body set,improve the regulatory body system,clearly define the functions of the regulatory body,improve the regulatory effect of the Internet insurance fraud issues.