China Life Insurance Consumers’ Rights And Interests Protection Mechanism Research

In this paper,As an important component of financial,insurance consumers’ rights and interests must be protected.And the life insurance products in the insurance market because of the complexity of its design,as well as the huge influence to the whole insurance market,so the social influence of dispute of the life insurance consumers but also to be reckoned with.Based on the life insurance consumers,on the basis of explain in detail the relevant concepts,draw lessons from foreign experience,combined with the China insurance regulatory commission to disclose the calendar year of Chinese consumer complaints case data,analysis of the current life insurance market in our country the present situation of the infringement of the right of consumers’ rights and interests,and regulators,companies and consumers the problems existing in the three parties.First,there is a problem of the heavy interest management,over-complicated life insurance contract and the unreasonable system of individual marketing staff.Second,there is not enough regulation of insurance rates,there are blind spots in laws and regulations,and there are few rights channels for consumers.On the consumer side,the main problems are the low degree of consumer understanding of life insurance,when the choose and buy products heavy price light effect and the number of consumer contracts consciousness is weak.From regulators,companies and consumers,therefore,the author systematicallly puts forward how to construct the party three Angle our country insurance consumers’ rights and interests protection mechanism:one is for the perfection of supervision mechanism,strengthen the information disclosure regulation,establish complaint dispute resolution mechanism,to provide a sound life insurance consumers rights protection law environment;Second governance improvements to life insurance company,we will vigorously support the reform of the insurance company marketing mode,to guide life insurance of insurance contract clauses popularization,consummates our country life insurance individual sale member system,outside supervision,improve the self-adjusting ability of life insurance market;Finally the life education focus on consumers,make its have rights of autonomy and independence,improve their consciousness of contract at the same time,improve their cognition about the insurance.Under the cooperation of these subjects,we will build a better protection mechanism for consumer rights.