保险数字化中的消费者风险及其治理  

Consumers,Risk and Its Governance in the Digitalization of Insurance Business

作　　者：朱晶晶 Zhu Jingjing

机构地区：[1]中国社会科学院信息情报研究院

出　　处：《经济研究参考》2022年第10期134-144,共11页Review of Economic Research

基　　金：国家社会科学基金面上项目“保险业过度风险承担与系统性风险跨市场传染研究”(No.17BJY204)。

摘　　要：数字技术在保险业得到了日益广泛和不断深入的运用,保险业务数字化前景广阔。但数字技术的应用给保险消费者带来了客户排斥风险、产品错选风险、市场势力风险和信息安全风险等负面影响。欧盟和美国作为两种代表性的数据立法模式,在欧盟《通用数据保护条例》、美国《保险数据安全示范法》中均对保险业务做了具体要求。本文在分析国际经验和当前国内基本情况的基础上,提出了进一步加强金融保险消费者教育的四点建议。Digital technology has been widely and deeply used in the insurance industry,and the digitalization of insurance business has broad prospects.However,the application of digital technology has brought negative impacts on insurance consumers,such as customer exclusion risk,wrong product selection risk,market power risk and information security risk.The EU and the US,as representative data legislation models,have made specific requirements for insurance business in the EU General Data Protection Regulation(GDPR) and the US on Insurance Data Security Model Law.Based on the analysis of international experience,and the current domestic situation,this paper puts forward four suggestions for further strengthening the education of financial and insurance consumers.

关 键 词：数字技术 金融科技 保险科技 监管 消费者教育 

分 类 号：F840[经济管理—保险]