“区块链+保险”的法律风险梳理及防范

Legal Risk Sorting and Prevention of Block Chain+Insurance

近年来，区块链技术作为一种新兴技术，受到了各界人士的广泛关注。其所具有的分布式分类账技术、去中心化、匿名化、稳定性强、防篡改等优点能够有效地弥补现有技术的不足。区块链作为一种“信任的机器”，可以让信任得以传递，并源源不断地产生新的信任关系，这使其深受保险公司的青睐。但不可否认的是，现阶段的区块链，无论其技术本身还是将其应用于保险业，仍面临巨大的风险和挑战。为使保险机构回归风险保障本源，发挥经济“减震器”和社会“稳定器”作用，更好地为经济社会发展提供风险保障和长期稳定资金，中国应加快区块链相关立法、建立统一的区块链规则，完善区块链保险交易的监管制度，从而推动构建新型保险交易体系，促进区块链技术的快速发展。

In recent years, as an emerging technology, block chain technology has been widely concerned by people from all walks of life. It has the advantages of distributed ledger technology, anonymization, strong stability and anti-tampering, which can effectively make up for the shortcomings of the existing technology. blockchain as a “machine of trust ” can allow trust to be passed and continuously generate new trust relationships, which makes it favored by insurance companies. But it is undeniable that the current blockchain, whether its technology itself or its application to the insurance industry, still faces great risks and challenges. In order for insurance institutions to return to the origin of risk protection, to play the role of economic shock absorbers and social stabilizers , and to better provide risk protection and long-term stable funds for economic and social development, China should speed up the block chain related legislation, establish unified block chain rules, improve the regulatory system for block chain insurance transactions,thereby promoting the construction of a new insurance trading system and promote the rapid development of block chain technology.