Study On Legal Issues Of Internet Mutual Insurance

With the promotion of internet mutual-insurance activities,more and more internet users are participating it.It has objectively helped some people to solve the problem of medical expenses.With the development and impact expansion of the internet mutualinsurance activities,there has been some controversies,including the legality,nature,and supervision of online mutual-insurance activities.It is necessary to do in-depth and systematic research about internet mutual-insurance activities and promote the application of it.This thesis analyzes the current status,legality,nature,and hidden risks of internet mutual-insurance activities,and proposes countermeasures and suggestions.In this thesis,literature retrieval,empirical analysis,comparative analysis and other methods are used comprehensively to solve theoretical problems and practical problems,and to explore the theoretical and practical problems of internet mutual-insurance activities.The research results mainly including: Firstly,point out the problemsin legitimacy,behavioral nature,and behavioral norms of internet mutual-insurance activities,by analyzing the status of it.Second,after the theoretical analysis of the legal status and the practical analysis at the actual operational level,it is legal to carry out internet mutualinsurance activities,but it should not exaggerate the propaganda and cause misunderstandings.Thirdly,after comparing the essential difference between internet mutual-insurance activities and charity behaviors and crowdfunding behaviors,it can clarify the insurance nature of internet mutual-insurance activities.Fourth,it need to analyze and determine the hidden risks of internet mutual-insurance activities.There are no mandatory requirements on the qualification of network mutual assistance platforms and third-party fund custody organizations.The internal management mechanisms are not perfect.And there are flaws in its content.Fifth,it need to regulate the development of internet mutual-insurance activities by supervising and making specific content design.The results of the study will help the development of internet mutual-insurance activities on the legal and reasonable path,and make them grow into an important part of social security.Together with social insurance and commercial insurance,the orientation of the social security system will be established.