On The Perfection Of The Information Disclosure System Of Internet Insurance In China

Internet insurance as a new format of Internet financial industry,the rapid development momentum in Chinese and strong,compared with traditional insurance,Internet insurance is convenient for people's lives,the public at home people can understand the need for insurance products,their demand for insurance products based on online selection,enjoy insurance services.But based on the characteristics of Internet online,the Internet insurance industry information asymmetry problem is particularly prominent,solve the problem of asymmetric information,strengthen the Internet insurance information disclosure to protect the interests of consumers,promote market flexibility and strengthen the supervision of Internet insurance is very important.The Internet insurance information disclosure to the Internet as the carrier,is the one and only features in the object,the content of information disclosure,methods,procedures,the traditional insurance information disclosure system has been unable to meet the Internet insurance information disclosure requirements,making the Internet insurance information disclosure system has become a legal gray area,which leads to the inadequate disclosure of information,the procedure is not standardized,fulfill the obligations,many problems are not perfect,external regulation is not in place.Therefore,through the analysis of the existing problems in the information disclosure of the Internet insurance,compared to the experience of Japan and the United States,Britain and other Internet insurance information disclosure system of China's Internet experience,combined with the need of insurance for their own development,the improvement of the Internet insurance information disclosure system suggestion.According to the above ideas,this article is mainly composed of the following parts:Part one: introduction.The research purpose,research significance,research status,research methods and innovation points of the main writing papers.Part two: the necessity of the information disclosure of Internet insurance.Mainly from the form of Internet insurance enriched as the starting point,from the three aspects of consumer protection,market flexibility and Internet insurance regulation describes the Internet insurance information disclosure,and analyzes the Internet insurance information disclosure particularity compared with traditional insurance,which laid the foundation for the following analysis.Part three: the problems of the Internet insurance information disclosure system.Startingfrom the main elements of the Internet insurance information disclosure,analyzes the Internet insurance in the process of the information disclosure supervision system is not perfect,the content of disclosure is not sufficient,disclosure procedures are not standardized,do not completely fulfill the obligations of the external mechanism is not sound,and the laws and regulations of the Internet insurance information disclosure in China at the present stage are summarized.Part four: the extraterritorial experience of the Internet insurance information disclosure.Based on the analysis of the United States,Britain and Japan in three developed countries Internet insurance information disclosure system,comparing the three national insurance information disclosure system on the similarities and differences in the Internet,combined with the present situation of our country,analyze the experience of America,Britain and Japan in three developed countries to China.Part five: the suggestion of perfect information disclosure system of Internet insurance.It mainly regularizing the various elements of the Internet insurance information disclosure system,including the main body,the object,the carrier,the mode and the procedure.We should improve the legal system construction of Internet insurance information disclosure system,strengthen the Internet insurance disclosure industry self-discipline,and improve the accountability system of Internet insurance information disclosure.Part six: the conclusion.This paper summarizes the content of the full text,and looks forward to the development of the Internet insurance information disclosure system.