發(fā)布時間：2018-04-27 17:32

  本文選題：保險制度 + 優(yōu)秀運動員　； 參考：《北京體育大學》2014年博士論文

【摘要】：在競技體育運動中,優(yōu)秀運動員保險是運動員有效轉(zhuǎn)移風險,減少損失的重要途徑,它不僅能夠有效維護運動員的利益,而且能夠促進我國競技體育的可持續(xù)發(fā)展,因此對優(yōu)秀運動員保險的研究具有重要的理論意義和現(xiàn)實意義。依據(jù)保險學理論,保險包括三部分:一是由政府經(jīng)辦的社會保險;二是由專門的保險公司按商業(yè)原則經(jīng)營的商業(yè)保險;三是由被保險人集資合辦,體現(xiàn)自�；ブ竦暮献鞅ｋU。改革前的計劃經(jīng)濟體制下,我國僅在社會保險中對運動員的保障有所體現(xiàn)。改革后,伴隨著我國社會經(jīng)濟和競技體育的快速發(fā)展,運動員保險問題得到政府部門和社會各界的高度重視和廣泛關注。本文運用文獻資料、比較分析、專家訪談和數(shù)理統(tǒng)計等研究方法,對我國優(yōu)秀運動員保險問題進行了較為深入的研究,得出如下結(jié)論:1.從總體看,我國優(yōu)秀運動員保險存在的主要問題是:優(yōu)秀運動員保險市場尚未建立,保險中介發(fā)展滯后;優(yōu)秀運動員保險產(chǎn)品研發(fā)和創(chuàng)新不足;現(xiàn)行的體育管理體制制約運動員商業(yè)保險市場的發(fā)展;相關法律法規(guī)亟待完善等。2.就優(yōu)秀運動員傷殘互助保險而言,數(shù)理分析結(jié)果表明:低等級賠付在整體賠付中占主導:項目不同,風險不同,賠付人次和金額也不同。3.我國優(yōu)秀運動員商業(yè)保險有效需求不足,但潛在需求較大。優(yōu)秀運動員商業(yè)保險有效供給不足,但存在較大提升空間。根據(jù)上述研究,本文提出如下建議:1.借鑒體育發(fā)達國家的經(jīng)驗,隨著社會經(jīng)濟文化不斷發(fā)展,政府職能不斷轉(zhuǎn)變和體育管理體制改革,最大限度發(fā)揮市場機制的作用,增強優(yōu)秀運動員商業(yè)保險的意識。2.進行體育管理體制和優(yōu)秀運動員保險制度改革,使市場在體育資源配置中起到?jīng)Q定作用,構(gòu)建以商業(yè)保險為主體、社會保險為基礎、互助保險為補充,保險經(jīng)紀人為中介的優(yōu)秀運動員保險體系。3.對運動員社會保險制度改革進行頂層設計和制度整體優(yōu)化。通過有效落實運動員社會保險關系轉(zhuǎn)移接續(xù),逐步實現(xiàn)運動員社會保險的全國統(tǒng)籌,擴大優(yōu)秀運動員參保的覆蓋面。4.通過多方籌集保險基金、修訂和完善賠付標準、適度提高繳費標準、增加非奧運會項目投保、建立專業(yè)自保公司等改革措施,堅持并完善優(yōu)秀運動員傷殘互助保險制度。5.進行頂層設計,推進現(xiàn)行體育管理體制的改革和優(yōu)秀運動員商業(yè)保險的發(fā)展。政府出臺政策支持產(chǎn)品的研發(fā)創(chuàng)新,實施強制保險,建立專業(yè)體育保險公司。
[Abstract]:In competitive sports, the insurance of elite athletes is an important way for athletes to effectively transfer risks and reduce losses. It can not only effectively safeguard the interests of athletes, but also promote the sustainable development of competitive sports in China. Therefore, the study of elite athletes insurance has important theoretical and practical significance. According to the theory of insurance, insurance includes three parts: first, social insurance run by the government; second, commercial insurance operated by special insurance companies in accordance with commercial principles; third, joint financing by the insured, Cooperative insurance that embodies the spirit of self-insurance and mutual assistance. Under the planned economy system before reform, our country only embodies the safeguard of athletes in social insurance. After the reform, with the rapid development of social economy and competitive sports in China, the issue of athlete insurance has been highly valued and widely concerned by government departments and all walks of life. By using the methods of literature, comparative analysis, expert interview and mathematical statistics, this paper makes a deep research on the insurance problem of elite athletes in China, and draws the following conclusions: 1. On the whole, the main problems in the insurance of elite athletes in China are as follows: the insurance market of outstanding athletes has not been established, the development of insurance intermediary is lagging behind, the research and development and innovation of insurance products of excellent athletes are insufficient; The current sports management system restricts the development of athletes' commercial insurance market, and the relevant laws and regulations need to be improved. As far as the disability mutual insurance of elite athletes is concerned, the results of mathematical analysis show that the low grade compensation plays a dominant role in the overall compensation: different items, different risks, different paytimes and different amounts of compensation. Our country outstanding athlete commercial insurance effective demand is insufficient, but the potential demand is big. Outstanding athlete commercial insurance supply is insufficient, but there is great room for improvement. Based on the above study, this paper puts forward the following suggestions: 1. With the continuous development of social economy and culture, the government function is changing constantly and the sports management system is reformed, the function of the market mechanism is brought into full play, and the consciousness of commercial insurance of elite athletes is strengthened by drawing lessons from the experience of the sports developed countries. To reform the sports management system and the insurance system of elite athletes, to make the market play a decisive role in the allocation of sports resources, to construct a system based on commercial insurance, social insurance as the basis, mutual insurance as a supplement, Insurance broker as the intermediary of the excellent athletes insurance system. To the athlete social insurance system reform carries on the top-level design and the system overall optimization. Through the effective implementation of the transfer of athletes' social insurance relationship, the national overall planning of athletes' social insurance should be gradually realized, and the coverage of elite athletes' participating in the insurance should be expanded. Through raising insurance fund, revising and perfecting compensation standard, raising payment standard moderately, increasing insurance coverage for non-Olympic items, establishing professional self-insurance company, etc., we should persist in and perfect the mutual insurance system of elite athletes' disability and disability. Carry out top-level design to promote the reform of current sports management system and the development of commercial insurance for outstanding athletes. The government has issued policies to support product development and innovation, implement compulsory insurance, and establish professional sports insurance companies.
【學位授予單位】：北京體育大學
【學位級別】：博士
【學位授予年份】：2014
【分類號】：F842.6;G812.3

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