互联网保险中的诚信问题与对策——基于最大诚信原则的视角

Problems and Strategies of Integrity in Internet Insurance——Based on the View of the Principle of Utmost Good Faith

互联网经济的发展衍生出很大的增量保险需求,然而2016年以后,互联网保险的保费收入却大幅减少,除了政策原因外,诚信问题导致的互联网保险纠纷增多也是另一个重要原因。基于最大诚信原则的视角分析互联网保险中的诚信问题,依据大数据、区块链和人工智能等信息技术手段解决互联网保险中的诚信问题有助于互联网保险健康发展。

In recent years, the scale of China’s network economy market has been expanding, and the development of the internet economy has generated a great demand for incremental insurance. However, after 2016, the premium income of internet insurance has decreased dramatically,in addition to policy reasons, the increase of internet insurance disputes caused by integrity issues is another important reason.From the perspective of the principle of utmost good faith, analyzing the honesty and credit problems in internet insurance is helpful for the healthy development of internet insurance to solve the honesty and credit problems in internet insurance based on big data, blockchain, artificial intelligence and other information technology means.