摘要
"互联网+保险"的科技融合孕育了互联网保险业务,而作为新兴事物,互联网保险的合规性问题一直是监管的难题。本文分析了我国互联网保险主客体界定与社会普遍认知撕裂、统一监管与碎片化运营方式相互排斥、合同生效要式与契约必要流程难以完备、信息数据集合高需求与网络安全强治理目标不一致、类保险衍生物创新与监管范围划定进退失据等五大合规性问题,并结合发达国家经验与我国实际,提出了对应的政策建议。
The technological integration of "Internet + Insurance" has bred Internet insurance business. As a new thing, the problem of compliance with Internet insurance has always been a difficult problem for supervision.This article analyzes the five main compliance issues including the separation of the definition of subject and object of Internet insurance in China and the general recognition of the society, mutual exclusion of unified supervision and fragmented operations, difficulties in the completion of contract effective form and the necessary process of the contract, the high demand for information data collection is inconsistent with the goal of strong cybersecurity governance, and the insurance derivative innovation is inconsistent with the delineation of regulatory scope. Besides, combined with the experience of developed countries and the reality of China, this paper puts forward corresponding policy recommendations.
出处
《西南金融》
北大核心
2020年第5期78-86,共9页
Southwest Finance
关键词
互联网保险
保险监管
合规性
保险科技
保险创新
保险营销
信息安全
人工智能
internet insurance
insurance supervision
compliance
insurance technology
insurance innovation
insurance marketing
information security
artificial intelligence
