摘要
网络互助平台是会员之间通过互联网连接的互助保障组织,其经常与相互保险相混淆,但从两者的概念、资金募集、资金管理、监管等四个方面对比可以看出,网络互助平台不属于保险,是具有互联网属性的金融组织。网络互助平台存在市场失灵的风险,其主要表现在,信息不对称、资金管理风险、信息管理风险。同时网络互助平台还存在法律缺位的现象。基于此,应当从监管主体、信息保护制度、创新监管措施等三方面来构建不同于传统保险的监管法律制度。
The network-based mutual assistance platform explores the internet to provide its members with aid and protection. It is often no easy to distinguish it from mutual insurance. Compared with mutual insurance, the mutual assistance platform is different in respects of concepts, funds raising, funds management and supervision. Instead of an insurance business, it is a network-based financial organization. Such a mutual aid platform is vulnerable in case market fails to function, resulting in information asymmetry, capital management risks and information management risks, in addition to legal absence. Thus, it is necessary to build a supervisory legal system different from traditional insurance, in terms of regulatory subject, information protection system and innovative regulatory measures, and more.
出处
《广州广播电视大学学报》
2018年第2期102-106,共5页
Journal of Guangzhou Open University
基金
国家哲学社会科学基金项目"伦理的刑事司法运用研究"(项目编号:15XZX016)
关键词
网络互助平台
相互保险
市场失灵
法律制度
network-based mutual aid platform
mutual insurance
malfunctioning market
legal system
