Research On Insurance Supervision Of Internet Third-Party Network Platform

This article introduces the development history and business mode of network insurance industry.The mode of third-party e-commerce platform has a very complex legal relation because it involved a lot of legal subjects which caused the difficult in take charge of it for the supervision department and how consumers do to protect their rights.The third-party network platform involved in insurance sales business model,the network insurance industry,third-party platforms include network platform providers and network reimbursement agents,and sales of insurance is also divided into the main mode of sales and part-time sales model.Thus,in the sales of the third-party platform for online insurance,there are many participants and complicated legal relations.As a result,consumers' rights protection is difficult,the behavior of third-party platforms is not standardized,and the relevant regulatory laws and regulations are violated.However,at the present stage of our country,the insurance sales supervision for the third-party network platform is not proper,and the legal level is too low.The legal provisions lag behind the actual development,so it is not suitable for the behavior under the network environment.This article takes legal relation as Angle,make a distinguish in the mode of independent third-party e-commerce platform,and try to discuss their responsibility form the angle of the legal relation.The independent third-party e-commerce platform can be divide into two parts,one is the Internet platform provider,and another is the Internet insurance sales agents.We found that in the internet insurance,there have a lot of question what does not excited in insurance bellow the line,such as the incomplete information disclosure,to sell the insurance products illegally and the market access mechanism is imperfect.The goal of this paper is to provide constructive Suggestions for the issuance of relevant laws such as Internet insurance regulation law forourcountry.At present,China's Internet insurance has introduced some departmental rules and regulations.But these legal hierarchy is too low and lack of the rules for independent third-party e-commerce platform.As a result,according to the characteristics of Internet insurance,the legislative branch shall,reviewing existing in our country the legal framework of insurance law,reasonable division of the legislative level,pay attention to the coordination between different laws and regulations,on the Internet insurancelaw rules,and make up for the legal gap.In addition,the improvement of the Internet insurance legal system is a comprehensive and systematic project,it needs not only the law itself is complete,also need other supporting the implementation of the related systems,including establish a unified,open,efficient Internet insurance credit system,set up the Internet insurance industry self-discipline organization exert self-discipline regulatory functions,strengthen the protection of consumer rights and interests of Internet insurance,the introduction of alternative dispute resolution means rich Internet insurance disputes settlement mechanism.