摘要
保险产品线上购销模式发展迅速,法律法规监管与风险防控不足。论文以线上保险经营现状为基础,梳理线上渠道发展特征与目前保险线上产品运营监管的制约因素,分析监管科技发展案例与前端技术,并从作为监管主体的银保监局、金融科技委员会、保险公司、第三方平台角度提出监管革新的思路与举措。
The online purchase and sale mode of insurance products is developing rapidly,and the legal regulation and risk prevention and control are insufficient.Based on the current situation of online insurance operation,this paper combs the developmental features of online channel and the constraining factors of current regulation of insurance online products operation,analyzes the development cases of regulatory technology and the front-end technologies,and puts forward the ideas and measures of regulatory innovation from the perspective of regulatory body of Banking and Insurance Regulatory Office,FinTech Committee,insurance companies and the third-party platform.
作者
高雪岩
GAO Xue-yan(Zhejiang Financial College,Hangzhou 310018,China)
出处
《中小企业管理与科技》
2020年第36期82-83,共2页
Management & Technology of SME
基金
浙江省金融教育基金会2020年度立项课题(编号:2020Y10)。
关键词
保险产品
线上购销
风险管控
insurance products
online purchase and sale
risk management and control