Legal Review Of My Country's Internet Mutual Insurance Business

With the continuous expansion of the demand for the insurance market,China's insurance industry has developed rapidly in recent years.The emergence of “mutual insurance” is a typical example.On October 16,2018,the establishment of “mutual insurance” reintroduced mutual insurance into the public's attention,it has a cooperative and mutual insurance appearance and a network mutual assistance core,and the number of users exceeded 30 million after more than 30 days of online.The “popularity” of “mutual protection” reflects the public's urgent need for cooperative and mutual insurance.In 2015,the former China Insurance Regulatory Commission promulgated the “Trial Measures for the Supervision of Cooperative and Mutual insurance Organizations”,which filled the gap in mutual legislation in China and provided legal support for the operation of cooperative and mutual insurance institutions.This article focuses on the research on the legal regulations of mutual insurance in China's Internet,aiming to rethink the position of cooperative and mutual assistance,find new entry points for the development of cooperative and mutual insurance in China,and actively explore effective legal regulations to change the extensive growth model of high investment and high cost in the insurance industry.Except for the introduction and conclusion,it is divided into four chapters.The first chapter is the network economy and cooperative and mutual insurance.This chapter starts from the concept of cooperative and mutual insurance,the structure of legal relationship and the specificity,and defines cooperative and mutual insurance and related concepts,including insurance,cooperative and mutual insurance,Internet insurance,network mutual assistance and network mutual assistance platform.Besides this,it introduces the laws of mutual insurance organizations Relational structure,on this basis,further summarize the characteristics and particularities of mutual insurance.The second chapter explains the legal problems existing in China's cooperative and mutual insurance market and the Internet cooperative and mutual insurance business.The development of mutual insurance in China has gone through the process of budding,pilots and legislation in the field of agriculture,and the rise of online mutual assistance platforms in recent years.Many problems also emerged during the development process.For example,network mutual assistance has inherent deficiencies and the potential risks cannot be ignored.The mutual insurance system has just started in China,with a low level of legislation and a lack of basis for organizational law.The organization form is single,the solvency standard lacks pertinence,insider control and other issues.The third chapter draws on the international experience of the development of the current cooperative and mutual insurance system,discussing the development history of overseas cooperative and mutual insurance,and highlighting the three types of cooperative and mutual insurance systems and legal supervision measures in Germany,Japan,and the United States.It is necessary to constantly improve mutual insurance legislation to guide practice,and meet the needs of the market.At the same time,we must develop an organizational form suitable for China's national conditions and solvency standards that meet the characteristics of mutual systems.The fourth chapter is the standardized development of China's Internet cooperative and mutual insurance business in the future and its legal suggestions.In the direction of development,Internet thinking should be adhered to,and the development of Internet mutual assistance needs to be guided.In terms of specific suggestions,firstly,we must establish mutual concepts;secondly,we should focus on system construction,and give standard suggestions from the aspects of access supervision,operation supervision and organizational transformation.