摘要
由于保险行业相关法规对保险产品销售的特殊规定，互联网保险的销售模式在合同领域存在多重法律风险，如何履行互联网保险条款的说明义务，判定网络环境下保险合同当事方因身份关系发生的法律纠纷，并正确规范格式合同相关条款的订立对于防范互联保险合同风险具有积极意义。我国应发挥工商行政部门对格式合同的制定和监督检查职能，加强金融消费者保护机制建设，促进互联网保险行业健康发展。
Due to the insurance industry related laws and regulations, special regulations on the sale of insurance products, luternet insurance sales model in the field of contract exist multiple legal risks, how to pertbrm the explanation obligation of lnternet insurance clauses determine the insurance contract under the network environment when the parties because of the identity relation in the legal dispute, and the correct and standard contract format terms entered into to guard against the risk of lnternet insurance contract has positive significance. China should play the role of industry and commerce administrative departments to develop and supervise the format contract, strengthen the construction of financial consumer protection mechanism, and promote the healthy development of the Internet insurance industry.
出处
《吉林金融研究》
2016年第6期13-18,共6页
Journal of Jilin Financial Research
基金
项目编号：2016-4-008,本文系华东政法大学研究生一等资助学术项目《互联网金融规制的合同路径》的部分成果.
关键词
互联网保险
格式合同
行政规制
lnternet Insurance
Format Contract
Administrative Regulation
