Research On Internet Insurance Law

Under the background of continuous development of Internet technology,the scale of Internet economy in China is expanding rapidly,and the situation of Internet economy is various,among which Internet insurance occupies an important position.Compared with traditional insurance,Internet insurance enhances the convenience of insurance and the fictitious nature of insurance transactions,so that the information received by policy-holders at customer terminals presents a variety of characteristics.Obviously,the continuous development and growth of the online economy contributed to adding a variety of sales models to traditional insurance,but make insurance companies to provide insurance services to customers more extensive as well.With the continuous popularization of Internet insurance,insurance companies master a large number of customer data,but also for policy-holders to bring new risks.At the same time,online insurance as a new situation in the field of insurance,on the one hand to ensure the development of the market economy space,on the other hand,through legal means to supervise it.To make corresponding laws and regulations for the possible problems of Internet insurance,for example,to protect the privacy of the insured not to be leaked,to clarify the access standards of the Internet insurance market,to establish the withdrawal mechanism of the Internet insurance market,to perfect the dispute resolution mechanism of Internet insurance,and to increase the legislation in the field of Internet insurance.By studying the existing legal norms of Internet insurance,this paper summarizes the problems that still exist in practice and cannot be effectively solved yet,examines the shortcomings of our country's Internet insurance legal system and compares with the development of extraterritorial Internet insurance.Finally,it puts forward some suggestions for perfecting the legal system of Internet insurance applicable to China's economic situation,and then effectively controls the legal risks brought by Internet insurance to provide legal guarantee for the healthy development of Internet insurance.Specifically,from the following four sections:The first part: this part mainly expounds the research purpose and the significance,through the analysis research background,roughly explains the present stage Internet insurance industry question.By summarizing the research on Internet insurance,scholars at home and abroad have their views and suggestions on legal issues in this field.Bysummarizing the characteristics and development status of China's Internet insurance legal system,the paper preliminarily summarizes the problems existing in the development of China's Internet insurance.The second part: This part focuses on analyzing the deficiencies of the current laws and regulations in the supervision of Internet insurance in China,analyzing and studying the main problems existing in the legal system of Internet insurance in China one by one,to find out the root causes of these problems and the consequences caused by these problems in practice.To prepare for the solution of the problem and lay the foundation for the improvement of the legal system of Internet insurance.The third part: this part analyzes and discusses the existing legal system of Internet insurance in other countries,summarizes the experience of extraterritorial system,and applies the relevant legal system which can be applied to the economic conditions and background of our country to the legal system of Internet insurance in China.Because the foreign insurance industry develops earlier than our country,and the Internet insurance is more advanced,some countries already have relatively mature legal system,such as the United States,Britain and Japan.This paper will explore the construction of Internet insurance legal system suitable for our country on the basis of summing up the experience of extraterritorial Internet insurance legal system.The fourth part: This part combines the above discussion content,puts forward the consummation suggestion to our country Internet insurance legal system.Based on the spirit of optimizing the business environment,the problems existing in the Internet insurance market are regulated by legal means.Improve the information protection of policy-holders,unify the access and exit mechanism of Internet insurance operators,establish multiple ways to resolve disputes in consumption,and improve the legislative level in the field of Internet insurance.