本文選題：治安財(cái)產(chǎn)保險(xiǎn)　切入點(diǎn)：政府購(gòu)買服務(wù)　出處：《華僑大學(xué)》2016年碩士論文　論文類型：學(xué)位論文

【摘要】：社會(huì)治安財(cái)產(chǎn)綜合保險(xiǎn)是以居民家庭財(cái)產(chǎn)保險(xiǎn)為保險(xiǎn)對(duì)象的一種新型保險(xiǎn),是政府購(gòu)買公共安全服務(wù)的新嘗試,一般由當(dāng)?shù)攸h委、政府發(fā)起,綜合治理部門負(fù)責(zé)管理協(xié)調(diào),以社區(qū)和村等基層組織機(jī)構(gòu)為主體,按照一定比例出資,引入商業(yè)化的保險(xiǎn)公司,依托合同管理,組織轄區(qū)家庭參加,約定相應(yīng)的保險(xiǎn)賠償責(zé)任,形成適應(yīng)新的社會(huì)環(huán)境下的政府提供公共安全服務(wù)的新舉措,為轄區(qū)家庭因火災(zāi)、洪水、臺(tái)風(fēng)等自然災(zāi)害引起的房屋及財(cái)產(chǎn)損失,或因發(fā)生盜竊、搶劫、搶奪等治安案件造成室內(nèi)財(cái)產(chǎn)損失或人身?yè)p害進(jìn)行補(bǔ)償。2013年9月,通過(guò)前兩年在鴻山、錦尚等鄉(xiāng)鎮(zhèn)的試點(diǎn),石獅市綜治委在全市推廣社會(huì)治安財(cái)產(chǎn)綜合保險(xiǎn),由市、鎮(zhèn)、村三級(jí)按3:3:2的份額出資,出資340余萬(wàn)元為全市戶籍家庭購(gòu)買了社會(huì)治安財(cái)產(chǎn)綜合保險(xiǎn)。每戶家庭每年的各項(xiàng)理賠額度最高可達(dá)2.9萬(wàn)元,全市總保額將達(dá)25億元以上。參保戶在遭受保險(xiǎn)事故后,由人保財(cái)險(xiǎn)石獅支公司提供相應(yīng)的保費(fèi)補(bǔ)償。但是在實(shí)際操作中,治安保險(xiǎn)作為新的政府購(gòu)買公共服務(wù)的項(xiàng)目,也是存在不少的問(wèn)題,如缺乏競(jìng)爭(zhēng)機(jī)制、理賠率較低、保險(xiǎn)范圍不合理等問(wèn)題,需要在實(shí)踐中摸索解決。本文利用“三元分析框架”,通過(guò)對(duì)福建石獅市社會(huì)治安財(cái)產(chǎn)綜合保險(xiǎn)發(fā)展的實(shí)證研究,分析存在問(wèn)題,探索治安保險(xiǎn)與政府公共服務(wù)供給有效契合的運(yùn)行模式及意義,并對(duì)其持續(xù)良性發(fā)展提供建議。如果能有效改進(jìn)完善,社會(huì)治安綜合財(cái)產(chǎn)保險(xiǎn)將能通過(guò)它的內(nèi)在機(jī)制,分散民眾安全風(fēng)險(xiǎn)、提供合理的經(jīng)濟(jì)補(bǔ)償,可以在服務(wù)國(guó)家治理體系和治理能力方面發(fā)揮重要作用,今后一定能獲得更大的發(fā)展。
[Abstract]:The comprehensive insurance of social security property is a new type of insurance which takes the household property insurance of the residents as the insurance object. It is a new attempt by the government to purchase public security services. It is generally initiated by the local party committee and the government, and the comprehensive management department is responsible for the management and coordination. Taking grass-roots organizations such as communities and villages as the main body, making contributions in accordance with a certain proportion, introducing commercial insurance companies, relying on contract management, organizing the participation of families in the jurisdiction, and agreeing on the corresponding liability for insurance compensation, The formation of new measures to provide public safety services to governments adapted to the new social environment, for the loss of homes and property caused by natural disasters such as fires, floods, typhoons and other natural disasters, or for theft or robbery of families in their districts, In September 2013, through the pilot project in Hongshan, Jinshan and other townships two years ago, the Shishi Municipal Commission for Comprehensive Management of Public Security promoted the comprehensive insurance of public security property in the whole city, from cities and towns, The village third level contributed by the share of 3: 3: 2, and contributed more than 3.4 million yuan to purchase comprehensive social security property insurance for the whole city's household registration families. The amount of each family's various claims per year can reach up to 29,000 yuan. The total insured amount of the whole city will be more than 2.5 billion yuan. After the insured has suffered an insurance accident, the PICC will provide the corresponding premium compensation. But in practice, the public security insurance, as a project for the new government to purchase public services, There are also many problems, such as lack of competitive mechanism, low claim rate, unreasonable insurance coverage, etc. Through the empirical research on the development of comprehensive insurance of social security property in Shishi City, Fujian Province, this paper analyzes the existing problems. This paper explores the operational mode and significance of the effective agreement between public security insurance and the supply of government public services, and provides suggestions for its sustained and benign development. If it can be effectively improved and perfected, the comprehensive property insurance of social security will be able to pass through its internal mechanism. Dispersing the risk of public security and providing reasonable economic compensation can play an important role in serving the national governance system and governance ability, and will certainly achieve greater development in the future.
【學(xué)位授予單位】：華僑大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：F812.45;F842.6

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