Research On Legal Supervision System Of The Internet Insurance

With the development of economy,the volume of e-commerce is also increasing rapidly,the Internet plus era has arrived.The traditional insurance industry also joined the field,to create the integration of the Internet and insurance.It is not just the channel of innovation,but also brought marketing innovation and model innovation,as well as the future of the upcoming Internet insurance ecosystem.The Internet insurance innovation for insurance companies and policy-holder bring us efficiency and convenience,but also hidden a greater risk.However,China's current status of Internet insurance supervision is worrying,how to guard against the risk of encourages and support the development of Internet insurance is our current important problems need to be solved.Compared with the traditional insurance,Internet insurance has the characteristics of virtuality,timeliness,directness,cross-domain and so on.The rapid development of information technology makes it different from the traditional insurance of legal risks,credit risk,information security risks,which also brought to the current regulatory challenges.In recent years,the CIRC has vigorously rectified the Internet insurance industry,but false insurance,false innovation,information leakage and other events still occur.In October 2015,the promulgation of the "interim measures for the Internet insurance regulation" is the first systematic document of China's Internet insurance regulatory legal system.But for the current regulatory practice.it is still a lot of effort.For example,the Internet insurance market access system and the market exit system is imperfect.There are regulatory barriers to the conclusion and performance of Internet insurance contracts.There are a lot of problems in the credit security regulation,the information disclosure and the protection of consumer rights.Therefore,combined with the current Internet environment,reviewing the existence of China's Internet insurance regulatory deficiencies,improving China's Internet insurance regulatory legislation and specific system,is to stabilize the financial order to protect the market competition is necessary.Foreign countries have formed a mature regulatory system,on the basis of learning from the excellent experience in Internet insurance of the United States,Britain and Japan,to explore ideas and system construction of Internet insurance regulation in China.In the process of perfecting the legal system of Internet insurance supervision in our country,the first thing to be done is to establish the objectives and principles of supervision and ensure that the supervisor carry out regulatory action.Second,for the regulatory object,to distinguish between Internet insurance organizations that are active in the Internet in different modes,to design prudent market access and market exit system.Again,for the regulatory content that is the establishment and the effect of Internet insurance contracts,combined with the current e-commerce environment,to set up the standard.Finally,we should improve the Internet insurance information disclosure system,strengthen the protection of personal information on Internet consumers,promote the perfection of the credit system,build open and transparent Internet insurance consumer protection mechanism,and promote the development of the Internet insurance.Under the background of the era of Internet market impact the traditional market,It is of great significance to improve the legal system of Internet insurance regulation in China,to promote the development of Internet insurance in China,to safeguard the interests of the public and to promote the development of harmonious society.