Research On Internet Insurance Consumer Protection

At present,the development of Internet finance in China is strong,and the Internet insurance industry has taken this train and embarked on a fast development path.Internet insurance presents the following development characteristics: "increased participation in the industry,huge changes in product structure,increased premium scale,convergence of industry concentration,and more business entities".Rapid development of Internet insurance at the same time,because of the lacking of industry system and the rule of law,leads to the relevant security hidden danger,caused significant damage to the rights and interests of Internet insurance consumers.Roughly the content of this article is divided into four chapters,each chapter as follows,through the analysis on China's Internet problems of insurance consumers' rights and interests protection system,finally to put forward the problems related to provide appropriate advice.The first chapter is divided into two parts.The first part introduces the Internet insurance definition,types and characteristics of Internet insurance,finally standing on the position of the development of the industry put forward their own point of view,to the definition of Internet insurance under a reasonable.The second part mainly defines the Internet insurance consumers connotation,by comparing the traditional insurance consumers and Internet insurance consumer differences,so as to define the precise meaning of Internet insurance consumers.The second chapter is the core part of this paper.First,introduces the legislative status of the insurance of our country about the Internet consumers,through the form in the form of a good shows the current legislation related to the insurance of our country Internet consumers,Outlines the legislation on protection of the defects in the Internet when insurance consumers.Secondly,this paper introduces the practice of Internet insurance consumers universal problems,by collecting and organizing related information,the author found that the insurance consumers' rights and interests protection system on the Internet that exist in the six basic problems.1.The special safeguard situation of Internet insurance consumers,whether the protection of the consumer protection law is directly applicable,or the special legislation in the financial field.2.The description obligation of the insurer is applicable to Internet insurance.3.How to secure personal information of Internet insurance consumers.4.Risk aversion of Internet insurance business.5.How Internet insurance consumers can better protect their rights.How to achieve better regulation of Internet insurance.The third chapter is the domestic and foreign legislative comparative part.By introducing the United States,Britain,Japan and other developed countries in the aspect of legislation and regulation how to guarantee insurance consumers' rights and interests of Internet,and connecting with the system of our country actual situation analysis which can be applied to the practice of our country's legislation,and beneficial reference for our country legal system construction.The fourth chapter is to improve the content of China's Internet insurance consumer rights protection system.Through the analysis of the second chapter and the third chapter,in view of the questions,it is concluded that the Internet insurance consumers' rights and interests protection Suggestions and comments,legislative and regulatory issues put forward their own rationalization countermeasure,in order to build up perfect Internet insurance consumer protection mechanism of the framework.