Research On The Chinese Insurance Consumer Rights Protection Mechanism

China’s insurance market started late and developed in a low level. Furthermore, the insurance contract is of a high degree of professionalism, insurance consumers’knowledge of insurance is generally low. There are always many insurance consumer interests abuses. It has seriously affected the reputation of the insurance industry and its survival. How to effectively protect the interests of consumers has became a vital element which decides whether the insurance industry can continue to develop healthily. In order to change the situation of the insurance consumers’weak position, many countries legislation and supervision conforms to the international trend of the insurance consumer protection. With the frequently rising of Chinese insurance complaints and insurance disputes in recent years, our country needs to establish a comprehensive insurance consumer protection mechanisms.In this paper, drawing on the existing research of the international and domestic scholars, mainly through theoretical combing, status quo analysis cause analysis and foreign experience comparing, it mainly researches on the forms and incentives of the damage to the interests of China’s insurance consumers, and analyze shortcomings of insurance consumer protection mechanisms. Based on the foreign experience, it starts from the perspective of law system and supervision, internal controlment, dispute processing to discuss the ideas and policy suggestion of how to built the Chinese insurance consumer protection mechanism.The main features and innovations of the dissertation are as follows:Firstly, in the background of the most hot topic nowadays in the insurance sector of auto insurance claims difficulty, life insurance misleading sales, the paper is focus on the insurance consumer protection, it makes a more in-depth analysis on the forms and incentives of the damage to the interests of Chinese insurance consumers, and insufficiency of the insurance consumer protection mechanisms. Combined with the conservation practices of domestic relevant departments and international experience, it puts forward ideas from five levels to build Chinese insurance consumer protection mechanisms. This constitutes to the biggest innovation of this paper. Secondly, according to the actual situation of China’s insurance market, the paper puts forward innovatively insurance consumers to participate in the governance of insurance companies,it opens up a new direction for the follow-up study of the insurance consumer protection.