我国互联网保险市场监管存在的问题及建议.pdfVIP

Vo l. 30 No.6 保险职业学院学报(双月干1]) 第 30 卷第 6 期 JOURNAL OF IN8URANCE PROFE8SIONAL COLLEGE ( Bimonthly) Dcc. 2016 2016 年 12 月 我国互联网保险市场监管存在的问题及建议 张婉珍 (广西大学商学院，广西南宁 530004) [摘 要] 我国的互联网保险尚处于新兴阶段，市场发展日新月异，十分迅速。但在市场监管方面存在诸多问题，特 别一些法律法规的制定滞后或不完善，有很多监管空白区和灰色地带，急需立法者、监管者和相关研究人员进行进一步深 入的调查、了解和研究。本文将从我国互联网保险市场监管方面分析目前的现状，发现存在的问题，提出相应的对策和建 议。目的是规范操作办法，监督从业人员的行为，维护广大消费者的合法权益，保障保险业务公平公正有序和合理的进行. 使我国互联网保险业务保持可持续发展。 [关键词] 互联网保险;市场监管;措施 [文章编号J1673 → 1360(2016)06 ← 00:5 5 -04 [申固分类号]F840.328 [文献标识码JA [Abstract] The internet insurance in our country is in the emerging stage , and the market of it de velops very fast. However , the supervision in the market has many problems , such as the development of relevant laws and regulations being lag or imperfect , there being many regulatory gaps area and gray areas in urgent need legislators , regulators and the relevant researchtrs conducted Iurther investigation , study and understanding. The paper analyzes the current situation on the supervision of internet insur- ance market , and finds the problems and the solution to the problems. The purpose is to regulate the op eration way , monitoring the behavior of employees , safeguard the legitimate rights and interests of con- sumers and ensure fair and reasonable and orderly conduct of insurance business , making China s Internet insurance business to maintain sustainable development. [Key words] Internet insurance; Regulation of market; Solution 公司 27 家， 2015 年经营主体达到 110 家。市场上 各种各样的互联网保险产品层出不穷，许多产品推 一、互联网保险监管己