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新《保险法》有利于保护消费者合法权益和促进保险公司合规经营,着重分析了免责条款的告知形式不够严谨、退保的规定模糊不清、未限定保险投资的管理模式和风险投资比例、对保险业务分类标准与企业会计准则不一致、保险公估人被边缘化等不足之处,并提出相应完善建议。
The new “Insurance Law” is conducive to protecting the legitimate rights and interests of consumers and promoting the compliance operation of insurance companies. The analysis emphasizes that the forms of exemption clauses are not rigorous enough, the provisions of surrender are vague and unclear, and the management mode of insurance investment and the proportion of risk investment are not limited. The classification of insurance business standards and corporate accounting standards are inconsistent, the insurer marginalization and other deficiencies, and make the appropriate recommendations.