中国互联网财险市场监管创新研究  

Research on Supervision Innovation of China's Internet Property Insurance Market

作　　者：唐金成[1] 张淋 Tang Jincheng;Zhang Lin

机构地区：[1]广西大学商学院,广西南宁530004

出　　处：《西南金融》2021年第5期52-63,共12页Southwest Finance

摘　　要：随着互联网技术与保险业的深度融合,财产保险作为互联网时代发展迅猛的保险险种之一,面临着诸多市场监管难题。本文剖析了目前中国互联网财险市场的发展现状及传统监管面临的困境,指出中国互联网财险市场目前存在法律法规缺位、数据信息安全监管存在漏洞、复合型保险监管人才匮乏、监管方式落后、监管内容重复等问题。在借鉴发达国家互联网财险市场监管经验的基础上,提出了尽快健全法律法规体系,不断完善监管法治环境;加强数据信息安全保护,严守“隐私保护”生命线;注重复合型人才培养,组建高素质监管团队;强化保险监管创新,推动财险监管的科技化和智能化;融入穿透式监管理念,创新完善财险市场监管体系等政策建议。With the deep integration of Internet technology and the insurance industry,property insurance,as one of the rapidly developing insurance types in the Internet era,is facing many market supervision problems.This article analyzes the current development status of China's Internet property insurance market and the difficulties faced by traditional supervision.It points out that the China’s Internet property insurance market currently has is⁃sues including lack of laws and regulations,data and information security supervision loopholes,lack of compound insurance supervision talents,backward supervision methods,and the duplication of regulatory content.On the ba⁃sis of drawing on the supervision experience of the Internet property insurance market in developed countries,this paper proposes to improve the legal and regulatory system as soon as possible,and continuously improve the regu⁃latory legal environment;strengthen the protection of data and information security,and strictly observe the lifeline of"privacy protection";focus on the training of compound talents and organize high-quality supervision team;strengthen insurance supervision innovation,promote the technological and intellectualization of property insur⁃ance supervision;and integrate the penetrating supervision concept,innovate and improve the property insurance market supervision system.

关 键 词：互联网保险 财产保险 保险科技 数据安全 穿透式监管 保险监管 隐私保护 消费者权益保护 

分 类 号：F840.4[经济管理—保险] F84