保险数据创新性应用风险及其规制路径
The Risks of Innovative Application of Insurance Data and Their Regulatory Pathways
张栢睿1
作者信息
- 1. 华东政法大学经济法学院,上海 200042
- 折叠
摘要
保险业对于数据的创新性应用提高了风险决策的准确性,但也改变了其数据分析内涵,即从"群体概率统计"转向"个体风险画像".保险服务供给方式继而变化,同时由于保险数据应用场景特殊性,保险数据应用风险蔓延至业务层面,具体包括宏观的保险供给结构扭曲风险、中观的数据与网络安全风险,以及微观的隐私与商业秘密泄露风险等,而以数据安全管理为导向的现有数据法律框架未能将这些风险涵盖.为了平衡保险数据的创新性应用和保护,需要建立以互信为基础的数据合理使用责任框架,它包括内外部治理体系"两个维度",各又包含保险业务流程与保险数据处理全生命周期"两条主线",由此形成保险数据处理规则、保险消费者数据权益保护规则以及保险机构数据保护义务三大制度体系.
Abstract
The innovative application of data in the insurance industry improves the accuracy of risk decision-making by insurance institutions.However,this has also transformed the essence of data analysis,shifting from"group probability statistics"to"individual risk profilings."Consequently,the mode of insurance service provision has changed.Due to the unique application scenarios of insurance data,the risks associated with the data use have extended to the operational level.These risks specifically include macro-level distortions in the insurance supply structure,meso-level data and cybersecurity risks,and micro-level risks of privacy and trade secret leaks.The existing data legal framework,oriented towards data security management,fails to encompass these risks.To balance the innovative application and protection of insurance data,it is necessary to establish a responsibility framework for reasonable data use based on mutual trust.This framework includes"two dimensions"of internal and external governance systems.Each dimension incorporates"two main lines"—the insurance business process and the entire lifecycle of insurance data processing.This results in the formation of three institutional systems:rules for insurance data processing,rules for the protection of insurance consumers'data rights,and the data protection obligations of insurance institutions.
关键词
保险数据/金融科技/系统性风险/数据合理使用/责任框架Key words
Insurance Data/Fintech/Systemic Risks/Reasonable Use of Data/Responsibility Framework引用本文复制引用
出版年
2024
NETL
NSTL
万方数据