중국 인터넷 보험의 회고 및 대책 연구

Abstract

Internet technology, cloud computing, etc. With the thought of “Internet +” gradually entering the public’s field of vision, all walks of life are accelerating the integration of the Internet field, after the gradual emergence of online shopping, Internet insurance, as a new way of selling insurance, more and more favoured by the insurance industry in various countries. Especially since the beginning of 2020, the world has been affected by COVID-19, and the Internet has become a basic way for most people to maintain their lives. The offline -traditional business model was forced to stop all, more and more behaviours are relying on the Internet, so the traditional insurance was hit by a large impact, the Internet insurance also should be the trend to get rapid development. Compared with traditional insurance, Internet insurance enhances the convenience and speed of insurance, so that the insured can receive a variety of information at the customer terminal. The development of Internet insurance has added a variety of sales modes to the traditional insurance, it makes insurance companies provide customers with a wider range of insurance services. However, it cannot be ignored that there are still many problems that have not been overcome in the development process of Internet insurance, such as the lack of a complete legal system for Internet insurance, As insurance companies hold a large amount of customer data in the process, serious information asymmetry that prevents the legitimate rights and interests of the insured (i.e., consumers) from being completely protected. And lack an effective dispute resolution mechanism, and the duty to explain is problematic in Internet insurance, all affect the development and progress of Internet insurance in China. This paper analyses the development history of Internet insurance, as well as the advantages and defects of the development of Internet insurance, conducts a specific analysis of the main problems existing in the development of China’s current Internet insurance. And learns from the excellent experience of Internet insurance in other countries. This paper aims at effectively avoiding the legal problems faced by Internet insurance through the following. First, improve the legal system of Internet insurance, second, sound the legal system of protection of Internet insurance consumers’ rights and interests, third, establish the diversified dispute resolution mechanism for Internet insurance, fourth, improve the system of Internet insurance explanation obligation, etc., so that to provide a legal safeguard for the healthy development of China’s Internet insurance.