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市场经济的发展伴随着风险,保险是现代社会中风险管理的主要工具。保险消费者、保险机构和保险监管机构共同构建了保险市场。保险消费者是保险业发展的源动力,如果在一国保险市场中,保险机构的发展过程忽视甚至损害保险消费者的利益,则会对保险市场的长远发展产生不良影响,甚至有可能造成系统性风险。本文梳理保险消费者保护问题的由来和发展,从监管层面对解决我国保险消费者保护问题的途径进行探讨。
The development of market economy is accompanied by risks. Insurance is the main tool of risk management in modern society. Insurance consumers, insurance agencies and insurance regulators together build the insurance market. Insurance consumers are the driving force for the development of the insurance industry. If the development process of insurance institutions in a country neglects or even damages the interests of insurance consumers, it will have an adverse effect on the long-term development of the insurance market and may even cause the system Sexual risk. This article sorts out the origin and development of insurance consumer protection problems and discusses the ways to solve the protection of insurance consumers in our country from the regulatory level.