The Problem And Regulation Of Internet Insurance Innovation In Our Country

Internet insurance is a financial form by using the Intenet technology.In recent years,the innovative insurance are spiringing up constantly in our country.The emerging things often esixt both the risks and opportunities.Since the Internet insurance become the new trend,more and more capital inflows,but due to the imperfect of legal system,the insurance industry in the process of fusion with the Internet has also exposed a lot of problems.This paper discussed the incomplete Internet inusrance law from four aspects.First of all,the insurance product innovation has led to "exotic risks" with gambling,which deviated from the nature of the insurance.Compared with the traditional single insurance products,insurance depends on the Internet have large data created many products which is full of fragments,but since some insurance companies pursue the attention blindly,its products are gradually deviate from the orbit and banned by the regulatory committee.The paper will come up with the regulation of insurance products by comparing the insurance and gamble,and combinating the regulatory policy.Secondly,with the inovation of sales,the traditional insurance contract obligation standard does not adapt the current Internet insurance sales form.Since online insurance lack of face-to-face communication link,there is some problems during the insurance contrat.These factors set the new request of insurance contract.This article will point out the improper behavior by using my own expirence,and put forward the proper sloution.Thirdly,there is some problems in the network support paltform which lacks of the insurance industry qualification and set up the capital pool illegally.This article will clear that the network support is not insurance and give some regulation suggestions.Finally,is the problem about the Internet insurance regulation which has certain hysteresis.The latest law begain in 2015,but lack of the regulations about the professional Internet insurance agencies.This artical will analyze the third party platform and professional Internet insurance institutions and make sure the certification of the Internet insurance by learning the advanced international experience.