Perfection Of The Legal Regulation And Supervision System For Universal Insurance Stock Investment

Since 2012,domestic insurance companies have launched universal life insurance products with short duration.When a large number of small and medium insurance companies passed its extensive development model when it absorbs insurance premium and used universal life insurance funds to invest in aggressive stocks,they often neglected the protection of insurance consumers' rights and interests.At the same time,there are many new forms of tort behaviors of insurance consumers and other insurance consumers.The regulatory authorities have introduced a series of policies and regulations to regulate the universal life insurance and its investment in stocks.But the legal supervision system related to the universal life insurance and its stock investment is still defective and insufficient.Therefore,in the process of perfecting the legal supervision system of universal insurance stock investment,the regulatory authorities should adhere to the protection of universal life insurance and the protection of the rights and interests of policyholders.This article discusses the legal supervision of the universal life insurance and its stock investment from the following five parts.In the first part,the introductory part leads to the purpose and significance of the study,summarizes the current literature related to this research topic and the research methods used in this article;In the second part,i investigates the current situation of the rights and interests of the policyholders in the universal venture stock investment,summe up the new forms of infringement act of the insured,such as the right to know,fair trade,independent choice and privacy;In the third part,i discusses the importance of strengthening the protection of the rights and interests of policyholders in the supervision of universal insurance stock investment,proposes that the protection of the rights and interests of the applicant should be the center of supervision.On the basis of repositioning the legal role of universal insurance policyholders,the scope of the rights and interests of policyholders is redefined.From the two aspects of theory and reality,i analyzes the importance of strengthening the protection of universal insurance policyholders,and proposes to realize the positive interaction between the protection of the rights and interests of the insured and the riskprevention and control;In the fourth part,i examines the protection mechanism of the insured in China's universal insurance stock investment.Our country is currently building an entity supervision system based on "institutional supervision".The regulatory authorities have initially constructed a relatively complete system for the protection of universal insurance policyholders from various aspects.However,there are still some problems in the system,such as the insufficient protection of the rights and interests of the insurant,the misplacement of the mixed operation and division supervision,the limited role of the self-discipline organization of the industry,the lack of coordination of information disclosure mechanism,and the inadequate legal liability system and so on;In the fifth part,i proposes that we should focus on the protection of the rights and interests of policyholders in improving the legal supervision system of universal insurance stock investment.I have made a number of suggestions from two aspects: the perfection of the regulatory system for the protection of the applicant's rights and interests and the remedy of the loopholes in the system.