数字技术从多个方面推进了保险业发展，改善了保险市场的福利状况，但是，它也给保险消费者带来了多种负面影响。本报告先分析数字技术与保险的结合方式以及数字技术如何赋能保险，再分析数字技术给保险消费者带来的风险，接着，探讨了如何改善保险监管以实现在不损害创新的情况下保护消费者权益。考虑到中国正在花大力气制定“数据安全法”，本报告分析了欧盟（综合立法模式）和美国（部门立法模式）在保险业的消费者数据和隐私保护上的立法情况，并提出了几点看法。
Digital technology has promoted the development of insurance industry in many aspects，and improved the welfare status in the insurance market. However，digital technology has also brought many negative effects to insurance consumers. This report first analyzes the combination of digital technology and insurance and how digital technology enables insurance，then analyzes the risks of digital technology to insurance consumers，and finally discusses how to improve insurance regulation to protect consumers’ rights without harming innovation. In consideration of China’s efforts in enacting a “data security law”，this report analyzes the consumer data and privacy protection legislation in the EU（overall legislative model）and the US（sector legislative model），and puts forward some recommendations.
