Research On Internet Insurance Legal Supervision System Under The"Internet Plus"Era

The "Internet Plus" era new of Industry form accelerates the integration of various industries in China's market economy and jointly develops new vitality.The Internet insurance industry is developing rapidly,driven by the "Internet Plus" era.Full integration of insurance industry and Internet technology through Internet thinking,and focus on the user experience as the starting point,cross-border cooperation,platform sharing and other core ideas to innovate the development model and direction of the insurance industry.Convenience and virtually of transaction in the "Internet Plus" era,promote the massive nature of insurance users,the growth of consumer groups has brought about an increase in Internet insurance business,increase in profitability of insurance business,but at the same time,the inevitable breeding of many problems caused by the interests,for example,the non-compliance of insurance innovation products,the leakage of consumer personal information,disrupt the order of the insurance market.We are delighted by the positive impact of the development of the Internet insurance industry on the financial market,should pay more attention to the guidance and regulation of the development path and environment of Internet insurance.Facing the current stage of Internet insurance exposure and potential drawbacks,it is imperative to regulate it by legal measure.Improve the legal supervision system of Internet insurance,strictly regulate the business behavior of Internet insurance entities through legal supervision,promote and correctly guide the immeasurable development of the Internet insurance industry.Explore the new features of the Internet and insurance industry in the era of "Internet Plus",analyze the problems in the Internet insurance industry in conjunction,according to the status quo of Internet insurance development and legal supervision system,seeking a new ideas to regulate Internet insurance under the current legal system,from the perspectives of legislation,the judiciary and all aspects of the search for necessary and feasible recommendations.Specifically from the following five parts:The first part: This part describes the research background,preliminary pointedout the problems in the Internet insurance industry: explain the purpose and significance of the research.Combining the current situation of China's domestic and foreign Internet insurance legal supervision system and scholars' research,summarizing that China's legal supervision system for the Internet insurance industry is still insufficient.Finally,the research methods used in the writing of the thesis,the innovation of the thesis and the overall structure of the thesis are explained.The second part: First,This part analyzes the new trend of the combination of Internet thinking and industry from the background of the "Internet Plus" era,leading to thematic elements: Internet insurance concept,based on the perspective of Internet thinking,this paper proposes a new perspective on the concept of interconnection insurance.Compare traditional insurance with Internet insurance,point out the characteristics of Internet insurance: business cross-domain and product innovation,scenario and flat sales model,relying on big data,cloud computing and other technologies to form the decentralization of management mode.Second,analyzes the current status and existing problems of China's Internet insurance development.From the beginning of Internet insurance to the current stage,reviewing the development process of Internet insurance in different periods.And analyze the necessity of supervising for Internet insurance.The third part: This part focuses on arrange the current legal system and reviewing the status quo of Internet insurance: Look through the whole,China's regulation is mainly based on the notification and management measures issued by the regulatory agencies;Seen from a partial: Present a regulation or a notice that regulates a specific aspect of Internet insurance,such as Internet insurance risk warning,information disclosure requirements for enterprises and products.Focus on the analysis of the role and existing deficiencies in the "Interim Measures for the Supervision of Internet Insurance Business" in regulating and guiding the development of the Internet insurance industry,and interpret the recently Promulgated "Internet Insurance Business Supervision Measures(Draft for Comment)",point out the summary and analysis of the new and refined aspects,and make suggestions for the parts that are still not covered and improved.The fourth part: Combine the content discussed in the previous four sections,focus on the reality,suggestions are made from four aspects: the legislative system,the business service system and safety management system,and the dispute resolution approach.In view of the current situation of low legal level and excessive dispersion of regulations in China,it is recommended to improve the legal level of Internet insurance supervision,integrate the legislative system to make it systematic;And in terms of the qualifications for the business entities of the Internet insurance parties,adhere to the idea of regulatory integration.Improve the access and exit system of business entities,and refine the management regulations for insurance innovative products.To further optimize Internet insurance services,safeguard the legitimate rights and interests of consumers,accelerate the establishment of service evaluation system and implementation of back-end management of Internet insurance business,and formulate a detailed service evaluation system standard urge operators to make technical systems and management improvements for information security;Improve the solution to Internet insurance disputes,to reduce Internet insurance disputes between insurers and policyholders,and improve the efficiency of dispute resolution.