基于最大诚信原则的我国互联网保险法律风险问题研究  

Legal Risks of Internet Insurance in China Based on the Principle of Utmost Good Faith

作　　者：崔宇清 赵明 

机构地区：[1]中国华融资产管理股份有限公司研究发展部,北京100033 [2]中国华融资产管理股份有限公司博士后科研工作站,北京100033

出　　处：《金融理论与实践》2017年第6期70-74,共5页Financial Theory and Practice

摘　　要：2015年中国保监会颁布了《互联网保险业务监管暂行办法》,在一定程度上弥补了我国互联网保险法律方面的欠缺,随后又出台了一些规章制度,但是整体上缺乏法理支撑,法律层级较低,存在法律漏洞,无法有效地对互联网保险纠纷做出约束与规范。为了防范互联网保险领域新生风险,从《保险法》中最大诚信原则出发,比较了传统保险与互联网保险在履行最大诚信原则时的联系与区别,提出了互联网保险最大诚信原则的特殊要求,同时梳理了我国互联网保险的法律风险,并给出相应的建议。China Insurance Regulatory Commission in2015promulgated the“Interim Measures for the supervision of Internet insurance business”to a certain extent make up for China’s Internet insurance legal deficiencies.China then introduced a number of rules and regulations,but the overall lack of legal support,lower legal level.There is legal loopholescan not effectively restrict and regulate Internet insurance disputes.In order to prevent the risk of Internet insurance in the field of insurance,this article from the insurance law in the principle of utmost good faith to compare the traditional insurance and Internet insurance in the implementation of the principle of utmost good faith when the link and difference.This paper puts forward the special requirements of the principle of utmost good faith of Internet insurance,and combs the legal risk of Internet insurance in China,and gives the corresponding suggestions.

关 键 词：互联网保险 最大诚信原则 法律风险 

分 类 号：F840.69[经济管理—保险]