本文選題：強制巨災(zāi)保險 + 模式選擇��； 參考：《寧波大學》2014年碩士論文

【摘要】：我國保險監(jiān)督管理委員會曾經(jīng)于06年時開始《關(guān)于建立和完善巨災(zāi)保險制度的工作方案》的起草工作,旨在提出建立巨災(zāi)保險制度的計劃方案,但是該方案的實施卻一直被擱淺。直到2008年,當我國發(fā)生汶川地震和南方重大雨雪災(zāi)害之后,我國關(guān)于加快巨災(zāi)保險法律制度的呼聲才日漸增高。而后,保監(jiān)會主席項俊波于2012年冬公開表示,我國巨災(zāi)保險體系要加快進程,且要建立適合我國的體系。巨災(zāi)保險制度,在許多國家不僅理論而且實踐上都已經(jīng)很成熟,我國的理論研究也有了一些成果。本文以此為背景,整理總結(jié)自己對我國建立強制巨災(zāi)保險法律制度的構(gòu)建設(shè)想,希望能夠?qū)窈笤撝贫鹊慕⑵鸬揭欢ㄗ饔谩Ｈ姆秩糠诌M行論證,切入點為制度模式之選擇。本文第一部分主要是寫我國應(yīng)當選擇何種巨災(zāi)保險之模式。通過對國際上現(xiàn)存的三種模式進行比較,得出強制巨災(zāi)保險的優(yōu)勢所在,并對我國采取強制巨災(zāi)保險模式的現(xiàn)實需要和現(xiàn)實基礎(chǔ)進行論證。本文第二部分主要是寫我國應(yīng)當遵循哪些強制指導原則來建立強制符合我國國情的巨災(zāi)保險制度。我國已經(jīng)建立了幾類強制保險,通過對其總結(jié)及對保險原則的結(jié)合,詳細論述適合我國強制巨災(zāi)保險之指導原則。本文的第三部分主要是寫我國強制巨災(zāi)保險法律關(guān)系之構(gòu)成要素。該部分從我國強制巨災(zāi)保險法律關(guān)系的主體、客體和內(nèi)容上對我國巨災(zāi)保險的承保、投保和權(quán)利義務(wù)分配等問題進行構(gòu)建,從而明晰我國應(yīng)當如何展開巨災(zāi)保險制度的構(gòu)建工作。本文的切入點為強制模式,通過論證我國適合建立強制型巨災(zāi)保險法律制度開始說明,并更為詳細的論述我國強制巨災(zāi)保險法律制度的法律關(guān)系應(yīng)當作何構(gòu)建�？紤]到我國的國情,反觀我國在過去對于巨災(zāi)的救助實踐,未來對該法律制度的建立必然存在很大困難。但是,筆者相信我國既然已經(jīng)在建立多種強制保險和社會保險領(lǐng)域作出了可喜成果,在強制巨災(zāi)保險這一法律制度的構(gòu)建上必然能夠起到借鑒作用,該制度的建立必然是大勢所趨。
[Abstract]:In 2006, China's Insurance Supervision and Administration Commission began the drafting of the "work Plan on establishing and perfecting the catastrophe Insurance system" in order to put forward a plan for the establishment of a catastrophe insurance system. But the implementation of the program has been stranded. Until 2008, after the Wenchuan earthquake and the heavy rain and snow disaster in southern China, the voice of speeding up the legal system of catastrophe insurance in our country increased day by day. Then Xiang Junbo, chairman of the CIRC, said publicly in the winter of 2012 that China's catastrophe insurance system should speed up the process and establish a system suitable for our country. Catastrophe insurance system in many countries not only in theory but also in practice has been very mature, our theoretical research has also made some achievements. Based on this background, this paper summarizes my assumption of establishing a legal system of compulsory catastrophe insurance in China, hoping to play a certain role in the establishment of this system in the future. The thesis is divided into three parts, and the starting point is the choice of system mode. The first part of this paper is mainly about which catastrophe insurance mode China should choose. Through the comparison of the three existing models in the world, the advantages of compulsory catastrophe insurance are obtained, and the practical needs and practical basis of adopting the compulsory catastrophe insurance mode in China are demonstrated. The second part of this paper is mainly about which compulsory guiding principles should be followed to establish the compulsory catastrophe insurance system in accordance with the situation of our country. Several kinds of compulsory insurance have been established in our country. Through summing up them and combining the insurance principles, the guiding principles suitable for China's compulsory catastrophe insurance are discussed in detail. The third part of this paper is mainly about the elements of the legal relationship of compulsory catastrophe insurance in China. This part constructs the subject, object and content of the legal relationship of compulsory catastrophe insurance in China. In order to clarify how our country should carry out the construction of catastrophe insurance system. The starting point of this paper is the compulsory mode, through the demonstration that our country is suitable to establish the compulsory catastrophe insurance legal system, and discusses in more detail how the legal relationship of our country compulsory catastrophe insurance legal system should be constructed. Considering the situation of our country, it is inevitable that the establishment of this legal system will be very difficult in the future. However, the author believes that since China has already made gratifying achievements in the field of establishing a variety of compulsory insurance and social insurance, it will certainly be able to play a reference role in the construction of the legal system of compulsory catastrophe insurance. The establishment of the system is bound to be the trend of the times.
【學位授予單位】：寧波大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F842.6

【共引文獻】

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1 馬宗剛;巨災(zāi)風險債券定價模型及其仿真研究[D];湖南大學;2014年

2 駱佳;巨災(zāi)保險市場政府干預問題研究[D];武漢大學;2012年

3 諸寧;保險與再保險中的巨災(zāi)債券研究[D];北京交通大學;2015年

相關(guān)碩士學位論文 前2條

1 楊志堅;我國財險業(yè)巨災(zāi)風險承保能力研究[D];廈門大學;2014年

2 龔維維;基于極值理論的巨災(zāi)風險管理研究[D];西南財經(jīng)大學;2014年

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本文編號：1875938