Study On The Legal System Of Internet Insurance Supervision In China

In recent years,the rapid development of China's insurance industry,the "Internet +" program to provide new opportunities for the development of insurance industry,the internet has sprung up rapidly.However,the opportunity is always accompanied by challenges,the Internet insurance to the development of the economy brought huge benefits at the same time,a variety of problems have come along,the market began to appear more and more network insurance fraud and operators to use Internet insurance to obtain improper benefits of the situation,The imperfect of market entry and exit mechanism leads to the uneven Internet insurance institutions in the market,which not only threatens the interests of the insured,but also hinders the development of the Internet insurance industry.Whether managers have reached the relevant standards of Internet insurance institutions not only affects the Internet insurance industry,but also has an important impact on the protection of consumers' rights and interests.Therefore,it is necessary to attach importance to the qualification of Internet insurance institutions and improve market entry and exit mechanisms.This paper consists of five parts.The first part is the introduction of the dissertation,which firstly clarifies the background of the topic and the significance of the topic.Secondly,it reviews the research status of Internet insurance supervision at home and abroad.Finally,it explains the research methods and innovations of this paper.The second part is a detailed introduction to the basic concepts and basic theories of Internet insurance.First,it introduces the concept and main modes of Internet insurance;secondly,it clarifies the content and particularity of Internet insurance supervision and introduces the supervision of Internet insurance;finally,it thoroughly analyzes the basic principles and theoretical basis of Internet insurance supervision,and elaborates on the deeper level.The necessity of Internet insurance supervision.The third part is the analysis of the shortcomings of China's Internet insurancesupervision system.Because the relevant legal system of Internet insurance supervision in our country is not sound enough,the market access and exit mechanism of Internet insurance institutions does not have a clear system stipulation,it is easy to cause the industry confusion;Secondly,due to the unsound supervision system,the operators may have excessive innovation in the products to harm the interests of the insured And then affect the healthy development of the industry;Finally,compared with the operator is the consumer,but the current relevant laws in China does not have the Internet insurance consumer's rights and interests protection makes clear stipulation.The Forth part introduces the developing process and supervision system of Internet insurance in developed countries,and draws the inspiration to China's development through analysis and comparison.First,introduce the relevant system of the United States,as the Internet insurance industry in the United States started earlier,so far has developed more perfect,the overall regulation of Internet insurance to take a relaxed and cautious attitude;second,introducing the British system,Britain,like the United States,adopted a relaxed and prudent attitude,combined with the principle of consistency,The real-time evaluation system is worthy of our reference;Once again,introduce Japan's related system,Japan and Britain and the United States are different,the overall supervision of internet insurance is more stringent,the guidance of administrative means is its biggest characteristic;Finally,on the basis of comparing the characteristics of the Internet insurance supervision system in the United States,Britain,and Japan,we draw inspiration from China.Part five puts forward some suggestions on perfecting the supervision system of Internet insurance in China.Through the analysis and comparison of the above-mentioned parts,finally,the paper puts forward some suggestions on the market access and exit mechanism,the innovation supervision of insurance,the protection of consumers ' rights and the dispute settlement mechanism.