【摘要】：保險(xiǎn)制度最大的功能在于將個(gè)人在生活中因遇到的各種人身損害、財(cái)產(chǎn)危險(xiǎn)及對(duì)他人責(zé)任的危險(xiǎn)所產(chǎn)生的損失,在共同團(tuán)體中分?jǐn)傁５S著保險(xiǎn)業(yè)的發(fā)展,隨之伴生的突出問題是保險(xiǎn)欺詐騙賠案件大量增加,且呈上升趨勢(shì),保險(xiǎn)欺詐案件的增加,給社會(huì)上造成了極壞的不良影響,破壞了保險(xiǎn)市場的正常發(fā)展,也破壞了金融秩序。在保險(xiǎn)欺詐中,投保人、被保險(xiǎn)人、保險(xiǎn)受益人(本文統(tǒng)稱投保方)進(jìn)行的欺詐危害性很大,他們自己本身是保險(xiǎn)合同的簽訂者,同時(shí)也是為獲得保險(xiǎn)金而進(jìn)行欺詐的行為主體,投保方的保險(xiǎn)欺詐行為產(chǎn)生后,投保方騙取的實(shí)際上是保險(xiǎn)市場上廣大消費(fèi)者,也即所有投保人繳納的保險(xiǎn)費(fèi),投保方保險(xiǎn)欺詐一旦騙賠成功,保險(xiǎn)公司經(jīng)營的成本無疑會(huì)增加,保險(xiǎn)費(fèi)也會(huì)隨之上漲,這些上漲的費(fèi)用最終又會(huì)分?jǐn)傇谒邢M(fèi)者身上。投保方保險(xiǎn)欺詐的危害大,但是有關(guān)于投保方保險(xiǎn)欺詐的研究文章甚少,本文首先通過結(jié)合投保方保險(xiǎn)欺詐的實(shí)際案例,討論有關(guān)于投保方保險(xiǎn)欺詐概念的三種說法,得出投保方保險(xiǎn)欺詐的概念;然后分析投保方保險(xiǎn)欺詐民事責(zé)任的性質(zhì)特征,探討投保方保險(xiǎn)欺詐民事責(zé)任在實(shí)踐中如何靈活定性的問題;再研究現(xiàn)階段我國投保方保險(xiǎn)欺詐民事責(zé)任制度存在的問題;最后提出改善我國投保方保險(xiǎn)欺詐民事責(zé)任制度的改進(jìn)措施,通過制度措施的改進(jìn),減少未來投保方保險(xiǎn)欺詐案件的發(fā)生,維護(hù)消費(fèi)者利益和保險(xiǎn)市場秩序穩(wěn)定。
[Abstract]:The biggest function of the insurance system is to share and digest the losses caused by all kinds of personal injury, property danger and liability to others in the life of individuals. However, with the development of the insurance industry, the accompanying prominent problem is that the number of insurance fraud and compensation fraud cases is increasing, and the increase of insurance fraud cases has caused a very bad adverse impact on the society, destroyed the normal development of the insurance market, but also destroyed the financial order. In insurance fraud, the fraud carried out by the insured, the insured and the insurance beneficiary (collectively referred to as the insured in this article) is very harmful, they themselves are the signatories of the insurance contract, and they are also the subject of fraud in order to obtain insurance money. after the insurance fraud of the insured, the insured party actually defrauded the vast number of consumers in the insurance market, that is, the insurance premiums paid by all the insured. Once insurance fraud is successful, the operating costs of insurance companies will undoubtedly increase, and so will insurance premiums, which will eventually be shared among all consumers. The harm of insurance fraud is great, but there are few research articles on insurance fraud. First of all, this paper discusses the concept of insurance fraud by combining the actual cases of insurance fraud, and obtains the concept of insurance fraud. Then it analyzes the nature and characteristics of the civil liability of insurance fraud, discusses how to make the civil liability of insurance fraud flexible and qualitative in practice, and then studies the problems existing in the civil liability system of insurance fraud in our country at the present stage. Finally, the improvement measures to improve the civil liability system of insurance fraud in China are put forward. Through the improvement of the system measures, the occurrence of future insurance fraud cases can be reduced, and the interests of consumers and the order of the insurance market can be maintained.
【學(xué)位授予單位】：中國青年政治學(xué)院
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.284

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本文編號(hào)：2509598