Economic Daily: Internet insurance innovation for the red line We want you! The first 2016 China Potter Rockefeller award officially started! Funds, insurance, brokerage and other financial institutions, information management capabilities which is better? Please click [vote], select the strongest institutions in your heart! Original title: innovative Internet insurance mark the "red line" recently, China CIRC 14 departments jointly issued "the people’s Bank of Chinese Internet insurance risk special rectification work plan", will focus on remediation of the lock on the Internet high cash value business, insurance companies rely on the Internet to carry out cross-border business and illegal operation of Internet insurance business 3 aspects. In recent years, the development of Internet insurance for consumers to bring a lot of benefits. In terms of rates, from tens of dollars to as low as 1 yuan, the former tall on the insurance products due to the Internet channel, the cost of sales can be reduced. In product design and user experience, but also a lot of people praise place. At the macro level, the Internet insurance has much positive significance for optimizing the allocation of resources, promote the development of Inclusive Finance, but the number of non-compliance of the business has increased the possibility of risk aggregation and diffusion. No irrigation as flood development constraints, the long run is not sustainable. The focus of remediation is also the main risk facing the current Internet insurance. The Internet is a high cash value business, focused on investigating and correcting the insurance company to sell insurance products through the Internet, false description, one-sided or exaggerated publicity past performance, earnings or illegal promise to bear the loss of misleading description. Two is relying on the Internet insurance institutions to carry out cross-border business cooperation, third party network platform focused on investigating and correcting the insurance company and the operators do not have the qualifications to carry out insurance business on the Internet behavior; Internet credit platform cooperation insurance company and provide services to increase trust, set up the pool of funds, such as the illegal fund-raising behavior, causing the risk of transmission to the field of insurance; insurance the company operates on the Internet platform of financing credit guarantee insurance business process, there is a means of risk control is not perfect, the internal management is not in place and so on. Three is the illegal operation of Internet insurance business, focused on investigating non licensees illegal conduct insurance business in the Internet, Internet companies without obtaining a business qualification based on Internet with mutual aid and other issues in the name of insurance business; unscrupulous agencies and criminals by providing idle insurance companies or insurance companies to carry out credit under the guise of illegal fund-raising. In fact, in the Internet in the financial industry, the insurance industry has always been at the forefront in the field of innovation and supervision, in 2013 approved the establishment of legal institutions of professional Internet insurance Zhong An insurance, and in 2015 the first to introduce the Internet insurance regulatory measures, and from 2014 will explore the insurance regulatory supervision scheme of professional Internet insurance companies, insurance intermediaries, the third party of the Internet, on the one hand, on the other hand, encourage innovation, and effectively prevent the professional risk. The program is for landing, set a "red line", make innovation in which enterprises have for, have not for quality, let the Internet financial institutions has truly innovative consciousness, innovative thinking to usher in more opportunities. Need strong theory相关的主题文章: