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尽管电子保单与纸质保单在形式上有诸多不同,实务中银行仍应遵循UCP和ISBP等国际惯例规则进行审核。作为一份具备法律效力的并保证被保险人合法权益的凭证,保险单据的真实性和不可篡改性尤为重要。目前,国内保险公司大多以纸质形式签发保单,然而纸质保单往往会引发假保单的问题。为了解决这个问题,电子保单应运而生。相比纸质保单,电子保单具有以下优势:一是电子保单一般都印有内含数字签名信息的二维条形码,可以通过扫描随时验证其真伪;
Although there are many different forms of electronic policies and paper policies, in practice banks should still follow the international practice rules such as UCP and ISBP. As a legally binding document that guarantees the lawful rights and interests of the insured, it is especially important that the insurance documents be authentic and tampered with. At present, most domestic insurance companies issue policies in paper form, whereas paper policies often trigger false insurance policies. In order to solve this problem, the electronic policy came into being. Compared with the paper warranty, the electronic warranty has the following advantages: First, the electronic warranty usually contains a two-dimensional bar code containing the digitally signed information, which can be verified at any time by scanning.