互联网金融对保险合同制度适用的影响  

The Effect of the Internet Finance on the Legal System of Insurance Contract

作　　者：贾林青[1] 

机构地区：[1]中国人民大学法学院,北京100872

出　　处：《保险研究》2014年第11期119-127,共9页Insurance Studies

摘　　要：保险合同制度作为专门适用于保险市场的法律规范体系,其适用效果决定于保险市场的客观需求。因互联网金融引发的互联网保险意味着对包括保险合同在内的保险立法提出了新的需求,必然影响到保险合同制度规则的重新构建和适用。为此,本文首先就互联网保险在我国的发展加以分析,提炼其不同于传统保险市场的诸多特点。进而,分别从保险合同的缔结阶段和履行阶段探讨互联网金融对保险合同制度的影响。前者论证互联网保险影响到认定保险人之条款说明义务的履行标准和认定保险合同成立与生效的法律标准;后者论证互联网保险对投保人身份的认定和保险责任开始时间的认定等环节的影响。针对实践中存在的争议,提出笔者的见解。As the special legal norm for the insurance market, the application effect of the insurance contract legal system is decided by the objective requirements of the insurance market. The internet insurance as a form of internet finance puts forward new requirements to insurance legislation including the insurance contract, which will inevitably affect the rebuilding and application of the system rules of the insurance contract. Therefore, the paper first analyzed the development of internet insurance in our country so as to distill its characteristics different from traditional insur- ance market. And then,the article discussed the influence on the insurance contract system brought forth by the in- ternet finance at the conclusion stage and execution stage of insurance contract respectively. The former demonstra- ted that internet insurance impacted on the performance standard of the underwriters＇ disclosure obligation and the legal standard of the establishment and execution of contract;the latter demonstrated the impacts brought by the in- ternet insurance on the identity authentication of the applicant and the starting time of insurance liabilities. Based on the above analysis, the author offered his ideas and opinions to the disputes in practice.

关 键 词：互联网金融 保险合同制度 适用 影响 

分 类 号：F840.4[经济管理—保险]