论保险消费者保护的相对独立性--兼论《消费者保护法》介入保险领域的程度

On the Relative Independence of Insurance Consumer Protection-On the Extent to Which the Consumer Protection Law is Involved in the Insurance Field

保险消费者的保护相对独立于普通消费者的保护,与证券等其他金融消费者的保护亦有不同。因保险行业的专业性、信息不对称的严重程度以及金融服务的无形性等特征,保险消费者的保护与普通消费者保护仍然应当作一定程度的区分。保险消费者同证券投资者相比,存在着偏向消费抑或投资、偏重纠纷的预防抑或解决等质的差异,应当从金融消费者中分离出来,单独予以保护。《消费者保护法》将保险等金融行业纳入调整范围,并不意味着保险领域可以任意适用《消费者保护法》。《消费者保护法》是保险消费者保护的兜底性法律,只有在《保险法》及其相关司法解释没有规定时,才适用《消费者保护法》。

The protection of insurance consumers is relatively independent from the protection of ordinary consumers and different from the protection of other financial consumers such as securities.Due to the specialty of insurance industry,the severity of information asymmetry and the invisibility of financial services,the protection of insurance consumers should be distinguished from that of ordinary 1consumers to a certain extent.Compared with securities investors,insurance consumers have qualitative differences,such as favoring consumption or investment,and paying more attention to the prevention or settlement of disputes,which should be separated from financial consumers and protected separately.The fact that the Consumer Protection Law includes insurance and other financial sectors does not mean that the insurance sector can arbitrarily apply the Consumer Protection Law.“Consumer Protection Law”is the bottom of the insurance consumer protection law,only in the“Insurance Law”and its related judicial interpretation does not provide,“consumer protection law”is applicable.