不完备法律下的互联网保险监管研究.pdfVIP

2016 年 2 月 湖北警官学院学报 Feb.2016 第 1 期总第 172 期 Joumal of Hubei University of Police No. 1 Ser. No. 172 不完备法律下的互联网保险监管研究 赛铮 (中南财经政法大学法学院，湖北武汉 430073) 【摘 要】中国保险监督管理委员会于近日颁布了《互联网保险业务监管暂行办法，标志着我国互联网保险业务 监管制度正式出台。由于新的经济、金融和社会情况不断出现，基于保险行业自身的特点，相关的法律永远是不完备 的。我国互联网保险监管存在未规定互联网保险机构的市场准入条件、互联网保险退出机制仍不完善、互联网保险 合同要约撤销与撤回并不明确等问题。应建立灵活审慎的市场准入和退出机制，规定网络保险合同条款，鼓励创新 并建立互联网保险新型险种备案制度，建立高效、规范的互联网保险信用体系。 【关键词】不完备法律;互联网保险;保险监管 【中图分类号】D922.284 【文献标识码】A 【文章编号】1673-2391(2016)01-0110-05 Study on the Intemet Insurance Regulation under Incomplete Law SaiZheng (Zhongnan University of Economics and Law, Wuhan 430073 , China) Abstract: Interim Measures for the Inten1.et Insurance Regulation has been recently issued by the China insurance regulatory commission , which is stand for the formal Intemet insurance regulatory system in China. Because of the new economic,financial and social situation appearing constantly,based on theinsurance industrys own characteristics ,relevant laws are always incomplete.There are some problems in Intemet insurance supervision , including not providing market ac- cess conditions of insurance; Intemet exit mechanism still not perfect , the Intemet to withdraw offer not clear. We should establish flexible cautious market access and exit mechanism , stipulate network insurance contract clauses, enco町ageinno­ vation and set up a new intemet insurance coverage for the record system,establish an efficient, standardized intemet insur- ance credit system. Key words: the incomplete law; the intemet insurance; insurance supervision 随着信息技术的快速发展与广泛普及，电子商 一