本文選題：人壽保險(xiǎn)　切入點(diǎn)：最大誠信原則　出處：《河北大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：人壽保險(xiǎn)業(yè)的健康發(fā)展離不開保險(xiǎn)基本原則的貫徹執(zhí)行，其中，最大誠信原則作為保險(xiǎn)基本原則的靈魂，自始至終貫穿人壽保險(xiǎn)業(yè)務(wù)的全部流程，只有保險(xiǎn)雙方當(dāng)事人遵循最大誠信原則，才能保證我國人壽保險(xiǎn)業(yè)的健康發(fā)展。現(xiàn)代保險(xiǎn)業(yè)在我國屬于舶來品，在我國生根落地不過近百年的事情，近十幾年隨著保險(xiǎn)業(yè)的高速發(fā)展，人壽保險(xiǎn)開始走進(jìn)千家萬戶。而人壽保險(xiǎn)公司也由建國初的幾家壟斷型公司迅速發(fā)展為七十余家中外資人壽保險(xiǎn)公司，人壽保險(xiǎn)市場大力擴(kuò)張，人壽保險(xiǎn)特別是新型產(chǎn)品成為人們獲得保障、投資理財(cái)?shù)男峦緩�，人壽保險(xiǎn)公司曝光率空前高漲。但是，由于歷史發(fā)展較短，，我國有關(guān)保險(xiǎn)理論研究存在先天不足，理論研究的進(jìn)程遠(yuǎn)遠(yuǎn)滯后于保險(xiǎn)實(shí)踐，特別是人壽保險(xiǎn)最關(guān)鍵的發(fā)展基石——最大誠信原則及其在人壽保險(xiǎn)中的適用研究仍然處于初級階段。目前，我國正處于信用建設(shè)初期，各行各業(yè)誠信建設(shè)問題突出，其中人壽保險(xiǎn)尤其凸顯，保險(xiǎn)銷售誤導(dǎo)、投保人不如實(shí)告知等誠信問題日益泛濫，導(dǎo)致人壽保險(xiǎn)糾紛不斷，已經(jīng)嚴(yán)重影響到先天不足的人壽保險(xiǎn)市場，人壽保險(xiǎn)業(yè)遇到了發(fā)展中的瓶頸。 本文主要采取比較分析法、案例分析法、理論與實(shí)踐相結(jié)合的研究方法，通過對最大誠信原則的解析，以其在保險(xiǎn)雙方當(dāng)事人的保險(xiǎn)活動中的要求為出發(fā)點(diǎn),理論聯(lián)系實(shí)際，系統(tǒng)闡述了最大誠信原則的含義、內(nèi)容、國內(nèi)外研究結(jié)果、法律規(guī)定等，結(jié)合中國人壽保險(xiǎn)股份有限公司相關(guān)案例體現(xiàn)的最大誠信原則現(xiàn)狀,分析最大誠信原則在我國的實(shí)踐現(xiàn)狀、在人壽保險(xiǎn)業(yè)存在的問題和原因，文章最后系統(tǒng)地提出了最大誠信原則在我國壽險(xiǎn)中規(guī)范發(fā)展的建議，結(jié)合目前我國人壽保險(xiǎn)業(yè)發(fā)展中遇到的困惑和瓶頸，分別針對國內(nèi)人壽保險(xiǎn)公司和投保人被保險(xiǎn)人違反最大誠信原則現(xiàn)象的防范方法進(jìn)行了系統(tǒng)的論述，以期達(dá)到誠信經(jīng)營壽險(xiǎn)、構(gòu)建和諧社會的目的。本文力求通過詳實(shí)的案例，結(jié)合人壽保險(xiǎn)實(shí)踐，對改善最大誠信原則在我國人壽保險(xiǎn)中的適用，推進(jìn)誠信建設(shè)，構(gòu)筑誠信經(jīng)營、誠信投保的和諧保險(xiǎn)市場奉獻(xiàn)一份綿薄之力。
[Abstract]:The healthy development of the life insurance industry can not be separated from the implementation of the basic principles of insurance. Among them, the principle of maximum good faith, as the soul of the basic principles of insurance, runs through the whole process of life insurance business from beginning to end. Only if both parties follow the principle of maximum good faith, can we ensure the healthy development of our life insurance industry. The modern insurance industry belongs to foreign goods in our country, but it has not taken root in our country for nearly 100 years. In recent years, with the rapid development of the insurance industry, life insurance has begun to enter thousands of households. And life insurance companies have developed rapidly from several monopolistic companies in the early years of the founding of the people's Republic to more than 70 domestic and foreign life insurance companies. The life insurance market has expanded vigorously, life insurance, especially new products, has become a new way for people to obtain security, and investment and financial management. The exposure rate of life insurance companies has never been higher. However, due to the short history of development, The study of insurance theory in our country has its inherent defects, and the process of theoretical research lags far behind the practice of insurance. Especially, the principle of maximum good faith and its application in life insurance are still in the primary stage. At present, our country is in the early stage of credit construction, and the problems of credit construction in various industries are prominent. Among them, life insurance is particularly prominent, with misguided insurance sales and untruthful disclosure by policy holders, which are increasingly rampant, leading to life insurance disputes, which have seriously affected the life insurance market, which is naturally deficient. The life insurance industry has encountered a bottleneck in its development. This article mainly adopts the comparative analysis method, the case analysis method, the theory and the practice unifies the research method, through the analysis to the maximum good faith principle, regards its request in the insurance activity of both parties of insurance as the starting point, the theory unifies the practice, This paper systematically expounds the meaning, content, domestic and foreign research results, legal provisions and so on of the principle of maximum good faith, combined with the current situation of the principle of maximum good faith embodied in the relevant cases of China Life Insurance Co., Ltd. This paper analyzes the practice situation of the principle of maximum good faith in our country, the problems and reasons existing in the life insurance industry. At the end of the article, the paper systematically puts forward the suggestion of the development of the principle of maximum good faith in life insurance of our country. Combined with the puzzlement and bottleneck encountered in the development of life insurance industry in our country at present, this paper systematically discusses the prevention methods of the violation of the principle of maximum good faith by domestic life insurance companies and insured persons. In order to achieve the purpose of managing life insurance in good faith and building a harmonious society, this paper tries to improve the application of the principle of maximum good faith in life insurance of our country through detailed cases and practice of life insurance, to promote the construction of good faith and to build up good faith management. Good faith insurance harmonious insurance market contribution to a modest force.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F842.62

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本文編號：1600320