A Study On The Protection Of Consumers 'Rights And Interests In China' S Business Life Insurance And The Countermeasures

With the rapid development of Chinese large increase of economy and finance and national income. Chinese has gradually transformed from apoor country insurance grow for a big life insurance business insurance, in addition, the national basic social insurance, as against the personal risk for individuals and families, an important way to provide property management planning, also more and more for the public acceptance and popularity, andobtained the rapid development in the past ten years. But with the popularity of the commercial life insurance life insurance products,government regulators and consumers gradually discovered, hidden in theinsurance to serve as the contract products under the mode of consumer rights violations are also increasingly prominent. Insurance=marketing,insurance to buy hard to compensate also gradually become a disgracefullabel in commercial life insurance industry. Since2011, in order to change the image of the industry, the real insurance played as a sunshine products, to resist risk function for individuals and families, China Insurance Regulatory Commission launched a great in strength and impetus of life insurance sales misleading rectification work. In four years of industryregulation based on how to progress, China commercial life insuranceconsumer protection work? If consumers feel the change and security? The insurance companies will turn their own image? Subsequent work Chinesecommercial life insurance sales misleading behavior should be how todeserve our attention.Chongqing area on the selection of misleading governance punishmentmaximum sales in the country as the basic point, study on the problems and Countermeasures of the protection of consumers’ rights and interestsChinese commercial life insurance. In the study, I think the root cause of damaged Chinese commercial life insurance consumer rights lies in thelegal system and regulations are not sound, the insurance knowledgeeducation to guide the development policy of insurance enterprises andconsumers are not enough popularity is too low. To solve the above problem, should embark from the legislation, guidance and education three,begin to carry out related work.From the design point of view, this paper first from the research significance, hands and research methods, theoretical basis for the wholeresearch. Secondly, analysis of insurance interests of consumers againstthe overall phenomena and data, the grim situation facing the now,analyzes the causes of this situation. Then from the current regulatorypolicy and regulatory instruments to carry out, and analysis of typical case analysis and game, reflect the existing regulatory means of life insuranceindustry in Chongqing governance effect. Then through the comparative study, to show the effective supervision system in developed countries, as well as the effective means of governance in other industries. Finally,combined with the current situation, the commercial life insurance consumer protection from the legal system, strengthen the information disclosure, rich the means of supervision; encourage insurance companies to improve sales and appraisal system, rich insurance products, the industry to reducemutual loss; strengthen consumer education, emphasizes the spirit of contract, put forward suggestions to strengthen the positive publicity.