Research On Legal Supervision Countermeasures Of Internet Insurance

The development of the Internet has brought great influence to various industries.As an important pillar industry of the financial industry,insurance is inevitably affected by the rapid development of the Internet.In the early stage of development,Internet insurance only sold insurance products on the Internet platform.With the development of the Internet insurance industry,insurance consumers can not only purchase insurance products on the Internet but also query products on the Internet platform.Insurance companies also Underwriting,claims and other services can be completed on the Internet platform.The Internet insurance industry has mushroomed and developed rapidly.As an innovative development of the insurance industry,Internet insurance has been accepted by the market and consumers.While Internet insurance brings vitality to the insurance market,there have also been many different problems.The development and innovation of Internet insurance has led to many new ways of infringement.For example,an insurance company can damage the legitimate interests of policyholders by formulating false electronic policies,which is an infringement method that has not been seen in the traditional insurance market.The infringing body committed by the insured may not only be an insurance company but also an internet platform.Therefore,compared with the development process of the Internet insurance industry,the traditional legal supervision method obviously cannot play a good and effective supervision function.In the Internet insurance industry,there are network platforms or insurance companies that harm the interests of policyholders,and some measures of supervision cannot keep up with development needs.Therefore,on the basis of existing legal supervision,it is necessary to increase the legal supervision of Internet insurance.To protect the interests of policyholders and to maintain the healthy development of the market.In the first chapter,the thesis analyzes the basic theories of Internet insurance legal supervision in China,and expounds from three aspects: the connotation of Internet insurance,the speciality of supervision and the theoretical basis of supervision.The second chapter analyzes the law enforcement of China's Internet insurance supervision laws and regulations.Firstly,it introduces the existing laws and regulations,departmental rules and judicial interpretations of Internet insurance supervision in China,and then analyzes the law enforcement concept of Internet insurance supervision in China.,law enforcement subjectsand safeguards.The third chapter analyzes the problems existing in China's Internet insurance supervision from three aspects.Firstly,it analyzes the shortcomings of China's Internet insurance legal supervision system.Secondly,it analyzes the behaviors of the network platform and Internet insurance companies under the existing supervision system to damage the interests of policyholders.The third is to analyze the problems existing in the existing supervision system..The fourth chapter of this paper is based on the problems in the third chapter,from the improvement of the legal supervision system,the protection of the interests of the insured and the improvement of the safeguard measures,the specific recommendations for the improvement of the legal supervision of Internet insurance.