互联网背景下保险组织模式的转变与监管

The Transformation and Supervision of the Insurance Organization Model Under the Internet Background

现今,互联网产业正在以井喷的方式快速发展。保险业不甘落后,各家保险公司相继开通互联网保险业务,甚至出现了专业的互联网保险公司,其中最典型的就是众安在线财产保险股份有限公司。但是随着互联网保险产业的快速发展,互联网保险监管体系显得相形见绌,出现了一系列的监管问题。从互联网保险的发展、优势和劣势、监管困境和监管建议四个方面展开论述,以期促进互联网保险产业的健康发展。

Nowadays, the Internet industry is developing rapidly in the way of blowout. The insurance industry is not far behind, many insurance companies have opened Internet insurance business, or even a professional Internet insurance company, one of the most typical is Zhongan Online Property Insurance Limited by Share Ltd. However, with the rapid development of the Internet insurance industry, the Internet insurance supervision system appears to be overshadowed, and a series of supervision problems have emerged. This article starts the study from four aspects: the development of the Internet insurance, the analysis of strengths and weaknesses, the regulatory difficulties and the recommendations of supervision, to promote the healthy development of the Internet insurance industry.