本文關(guān)鍵詞： 保險(xiǎn)消費(fèi)者 權(quán)益保護(hù) 保險(xiǎn)法　出處：《遼寧大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：早期海商保險(xiǎn)發(fā)展至今,保險(xiǎn)早已走入了尋常百姓的家門,保險(xiǎn)的普及是人們生活水平提高的又一重要標(biāo)志,也是人們追求高質(zhì)量生活狀態(tài)的體現(xiàn)。由于保險(xiǎn)產(chǎn)品自身的特殊性和交易雙方主體的地位差異等原因,人們?cè)谫?gòu)買保險(xiǎn)產(chǎn)品或理賠過(guò)程中很容易受到不同程度的侵害,所以在法律制定和監(jiān)管模式的選擇上,都在關(guān)注如何有效的保護(hù)投保人、被保險(xiǎn)人及受益人的合法權(quán)益,即保險(xiǎn)消費(fèi)者的權(quán)益保護(hù)問(wèn)題。“保險(xiǎn)消費(fèi)者”這一概念已經(jīng)頻繁的出現(xiàn)在廣播媒體和監(jiān)管部門的發(fā)文中,社會(huì)各界都已經(jīng)引起的廣泛的關(guān)注。2009年的《保險(xiǎn)法》無(wú)疑的強(qiáng)化了保險(xiǎn)消費(fèi)者的權(quán)益保護(hù)工作,但是結(jié)合我國(guó)的保險(xiǎn)業(yè)發(fā)展現(xiàn)狀而言仍有必要進(jìn)一步完善和發(fā)展。本文分成四個(gè)部分:第一部分從兩個(gè)方面整體概述了保險(xiǎn)消費(fèi)者的權(quán)益,首先對(duì)保險(xiǎn)消費(fèi)者進(jìn)行界定,其次分析保險(xiǎn)消費(fèi)者的基本權(quán)利及其基礎(chǔ)理論。第二部分分別介紹了英國(guó)、美國(guó)、日本三個(gè)國(guó)家的法律法規(guī)及監(jiān)管方面的舉措。立足于我國(guó)國(guó)情,吸收借鑒先進(jìn)的理念制度,是我國(guó)盡快發(fā)展完善保險(xiǎn)消費(fèi)者保護(hù)體系的重要途徑。第三部分較為詳細(xì)的介紹了我國(guó)保險(xiǎn)消費(fèi)者權(quán)益保護(hù)的現(xiàn)狀,其中分別從立法方面、監(jiān)管方面以及受侵害的現(xiàn)狀進(jìn)行論述,一一闡述了我國(guó)保險(xiǎn)消費(fèi)者權(quán)益保護(hù)工作各方面的不足,同時(shí)強(qiáng)調(diào)了進(jìn)一步加強(qiáng)保護(hù)的必要性。第四部分具體的闡述了如何完善我國(guó)保險(xiǎn)消費(fèi)者權(quán)益保護(hù)的相關(guān)法律和監(jiān)管制度。此部分與前文是相對(duì)應(yīng)的,也是從三方面同時(shí)進(jìn)行完善,即立法方面完善、監(jiān)管舉措上完善以及針對(duì)具體侵害現(xiàn)狀的完善。其中針對(duì)侵害現(xiàn)狀的具體完善又可細(xì)化為五個(gè)方面,一是規(guī)范勸誘的方式和限度,確立適宜性原則和推銷廣告客觀性原則。二是信用評(píng)級(jí)制度引入保險(xiǎn)行業(yè),為保險(xiǎn)消費(fèi)者提供可靠的消費(fèi)者參考。三是建立獨(dú)立的仲裁機(jī)構(gòu)與救濟(jì)制度,為保險(xiǎn)糾紛提供多元化的解決途徑。四是深入對(duì)保險(xiǎn)消費(fèi)者的維權(quán)意識(shí)教育,以此提高保險(xiǎn)消費(fèi)者的維權(quán)意識(shí)和維權(quán)能力。五是完善保險(xiǎn)行業(yè)自律組織的行業(yè)監(jiān)管,做到自律組織、監(jiān)管部門與保險(xiǎn)行業(yè)的整體化發(fā)展。
[Abstract]:With the development of the early merchant insurance, insurance has already entered the homes of ordinary people. The popularization of insurance is another important sign of the improvement of people's living standard. It is also the embodiment of people's pursuit of high quality of life, because of the particularity of insurance products themselves and the difference of the status of both parties. People in the process of purchasing insurance products or claims are vulnerable to varying degrees of infringement, so in the law formulation and regulatory model choice, they are concerned about how to effectively protect policy holders. The legal rights and interests of the insured and the beneficiary, that is, the protection of the rights and interests of the insurance consumers, the concept of "insurance consumers" has frequently appeared in the broadcast media and regulatory departments. The insurance law of 2009 undoubtedly strengthened the protection of the rights and interests of insurance consumers. However, it is necessary to further improve and develop the insurance industry. This paper is divided into four parts: the first part summarizes the rights and interests of insurance consumers from two aspects. First of all, insurance consumers are defined, then the basic rights of insurance consumers and their basic theories are analyzed. The second part introduces the United Kingdom and the United States respectively. Japan's laws, regulations and regulatory measures. Based on the national conditions of our country, absorb and learn from the advanced concept system. It is an important way for our country to develop and perfect the insurance consumer protection system as soon as possible. The third part introduces the current situation of the insurance consumer rights and interests protection in detail in our country, which respectively from the legislative aspect. Supervision and the current situation of infringement are discussed, one by one elaborated on the protection of the rights and interests of insurance consumers in all aspects of the deficiencies. At the same time, it emphasizes the necessity of further strengthening the protection. Part 4th describes how to improve the relevant laws and regulatory system of the protection of the rights and interests of insurance consumers in China. This part is corresponding to the previous part. Is also from three aspects of the improvement, that is, legislation, regulatory measures to improve and improve the status of specific violations of the specific improvement, which can be refined into five aspects of the specific status quo. The first is to standardize the ways and limits of persuasion, to establish the principle of suitability and the objective principle of advertising, and the second is to introduce the credit rating system into the insurance industry. The third is to establish an independent arbitration institution and relief system, to provide a diversified solution to insurance disputes. Fourth, in-depth awareness of the awareness of insurance consumers education. Fifth, improve the insurance industry self-regulatory organization industry supervision, achieve self-regulatory organizations, regulatory authorities and insurance industry integrated development.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D923.8

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