互联网保险第三方交易平台监管问题研究  

作　　者：张伟佳 

机构地区：[1]华东政法大学经济法学院,上海200042

出　　处：《保险职业学院学报》2020年第4期60-64,共5页Journal of Insurance Professional College

摘　　要：传统保险业借助于互联网的发展焕发出了新的生机,孕育出了互联网保险这一新型保险模式。通过互联网提供的保险服务,极大地降低了交易成本,提高了交易效率,尤其是依托于第三方网络平台,利用其自带的巨大流量,能够以更低的成本获取批量客户。同时,互联网对于用户信息的获取、存储和处理技术,能够帮助保险公司实现更加精准的定位,有效地确定潜在的目标客户。相较于传统保险,互联网保险在带来机遇的同时也带来了更大的挑战,第三方网络平台涉及的主体更多,法律关系更为复杂。因此,本文将从第三方交易平台的概述和发展,我国现有监管体制的不足进行研究和探讨,从而对完善对我国互联网保险的法律监管提出建议。The traditional insurance industry has given new life to the development of the Internet,giving birth to the new insurance model of Internet insurance.Insurance services provided through the Internet have greatly reduced transaction costs and improved transaction efficiency.Especially relying on third-party network platforms,they can use their huge flow to acquire bulk customers at a lower cost・At the same time,the Internet's acquisition,storage,and processing technology for user information can help insurance companies achieve more accurate positioning and effectively identify potential target customers.Compared with traditional insurance,Internet insurance also brings greater challenges while bringing opportunities・Compared with insurance agency proprietary network platforms,third-party network platforms involve more subjects and have more complicated legal relationships.This article will study and discuss the deficiencies of China's existing regulatory system from the overview and development of third-party transaction platforms,so as to make recommendations for improving the legal supervision of China's Internet insurance.

关 键 词：互联网保险 第三方平台 法律监管 

分 类 号：F840.69[经济管理—保险]