互聯網保險的法律規制

近年來，互聯網保險的發展突飛猛進。但是，中國大陸立法和監管規制沒能完全跟上，還不能滿足形勢發展的需要，相應業務面臨經營風險和諸多問題；與傳統保險業務不同，互聯網保險當事人的權利、義務配置及履行方式有其特殊性，需要特別的規制。本文通過梳理互聯網保險法律規制的動因，分析規制現狀及存在問題，提出了加強規制的建議，以便更好地調整當事人各方之間的法律關係，更好地保護消費者權益，促進互聯網保險持續健康發展。

In recent years, the development of internet insurance has made rapid progress. However, the mainland’s legislation and regulation fail to keep up with the development of the situation and meet the needs of the situation. The corresponding business faces operational risks and many problems. Unlike traditional insurance business, the rights and obligations of internet insurance parties have their own particularities and need special regulation. This paper combs the motivation of legal regulation of Internet insurance, analyses the current situation and existing problems of regulation, and puts forward suggestions to strengthen regulation, so as to better adjust the legal relationship between parties, better protect consumers’ rights and interests, and promote the sustainable and healthy development of internet insurance.