本文關鍵詞： 保險消費者 隱私權 保護機制　出處：《西南財經(jīng)大學》2014年碩士論文　論文類型：學位論文

【摘要】：保險公司的承保決策很大程度上依賴于投保方的告知,大量、全面、準確的保險消費者信息是保險公司經(jīng)營的基礎,而這些信息中不乏保險消費者的隱私。投保方應秉承最大誠信原則履行如實告知義務,保險公司更有義務嚴格保密投保方所告知的內(nèi)容,避免保險消費者的隱私權受到侵犯。但事實并非如此,為了開拓業(yè)務,保險公司通過各種渠道獲取保險消費者的信息,以實現(xiàn)利潤最大化,從而產(chǎn)生“電銷擾民”、倒買倒賣客戶資料以及擅用客戶資料開通業(yè)務等多種侵害保險消費者隱私權的現(xiàn)象。伴隨著信息技術的不斷進步,公民個人隱私面臨著劇增的安全風險,特別是已將隱私告知于保險公司的保險消費者,規(guī)范保險公司對客戶信息的獲取、管理和使用是保護保險消費者隱私權的當務之急,也是提升保險消費者對保險業(yè)信心的關鍵。 本文正是出于這一想法,針對保險消費者隱私權的保護進行系統(tǒng)研究。首先對保險消費者的隱私權進行界定,分別解釋隱私權的內(nèi)涵和探討保險消費與隱私權之間的關系,然后從立法、監(jiān)管以及保險公司操作三個層面來分析我國保險消費者隱私權的保護情況以及所存在的問題,最后借鑒美、德、日對保險消費者隱私權保護的有益經(jīng)驗,結合我國實際提出構建全方位、多層次的保險消費者隱私權保護機制的設想。 全文共五章,主要內(nèi)容如下。 第一章是緒論。主要對論文的寫作背景和意義、國內(nèi)外學者的研究現(xiàn)狀、研究思路和方法,以及創(chuàng)新和不足進行闡述。 第二章是保險消費者隱私權的概述。主要闡明隱私權的內(nèi)涵,并分析隱私權在保險消費行為中的特殊性。 第三章是我國保險消費者隱私權保護現(xiàn)狀的分析。分別從法律規(guī)定、監(jiān)管機構和行業(yè)協(xié)會、保險公司三個層面對我國保險消費者隱私權保護情況進行探討,并分析其中所存在的問題。 第四章是國外保險消費者隱私權保護的經(jīng)驗借鑒。分別闡述美國、德國和日本保護保險消費者隱私權的情況,從中挖掘有益經(jīng)驗。 第五章是提出完善我國保險消費者隱私權保護的對策。針對第三章所分析到當前我國保險消費者隱私權保護中所存在的問題,根據(jù)我國實際情況吸取國外經(jīng)驗提出“完善法律保障、加強監(jiān)管引導、規(guī)范保險公司客戶信息管理”三位一體的保護機制。
[Abstract]:The insurance company's underwriting decision depends on the information of the insured to a great extent. A large amount of comprehensive and accurate information of insurance consumers is the basis of the insurance company's operation. And there is no lack of the privacy of insurance consumers. The insured should uphold the principle of maximum good faith to perform the obligation to inform the truth, the insurance company has the obligation to strictly keep confidential the content of the insured. In order to develop business, insurance companies obtain the information of insurance consumers through various channels in order to maximize profits. As a result, the phenomenon of infringing upon the privacy of insurance consumers, such as "electricity sales disturbing people", buying and selling customer information and using customer data to open up business, is accompanied by the continuous progress of information technology. Personal privacy of citizens is facing a sharp increase in security risks, especially has been informed of the privacy of insurance companies insurance consumers, the insurance companies to regulate the acquisition of customer information. Management and use is the urgent matter to protect the privacy of insurance consumers, and also the key to enhance the confidence of insurance consumers. This paper is out of this idea, the protection of the right to privacy of insurance consumers to carry out a systematic study. First of all, define the right to privacy of insurance consumers. Explain the connotation of privacy and explore the relationship between insurance consumption and privacy, and then legislation. Supervision and operation of insurance companies to analyze the three levels of China's insurance consumer privacy protection and the existing problems, and finally draw lessons from the United States, Germany, Japan on the protection of the right to privacy of insurance consumers beneficial experience. Combined with the reality of our country, this paper puts forward the idea of constructing an all-round and multi-level insurance consumer privacy protection mechanism. There are five chapters in this paper, the main contents are as follows. The first chapter is the introduction. It mainly expounds the background and significance of the thesis, the current research situation of scholars at home and abroad, the research ideas and methods, as well as the innovation and deficiency. The second chapter is an overview of the right to privacy of insurance consumers, mainly expounds the connotation of privacy, and analyzes the particularity of the right of privacy in the consumer behavior of insurance. The third chapter is the analysis of the status quo of the protection of the right to privacy of insurance consumers in China. From the legal provisions, regulatory bodies and industry associations, insurance companies to explore the status of privacy protection of insurance consumers in China. And analyzes the existing problems. Chapter 4th is a reference for foreign insurance consumers' privacy protection. It expounds the situation of insurance consumers' privacy protection in the United States, Germany and Japan respectively, and excavates the beneficial experience from it. Chapter 5th puts forward the countermeasures to improve the protection of the right to privacy of insurance consumers in China. In view of the analysis of the third chapter, the problems existing in the protection of the right of privacy of insurance consumers in China are analyzed. According to the actual situation of our country, drawing on the experience of foreign countries, this paper puts forward the trinity protection mechanism of "perfecting the legal guarantee, strengthening the supervision and guiding, standardizing the customer information management of the insurance company".
【學位授予單位】：西南財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：D923;F842.3

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