發(fā)布時(shí)間：2018-06-10 12:08

  本文選題：責(zé)任保險(xiǎn) + 區(qū)域不平衡��； 參考：《河北大學(xué)》2017年碩士論文

【摘要】：我國經(jīng)濟(jì)發(fā)展進(jìn)入新常態(tài),當(dāng)前還處于各類矛盾的凸顯期,醫(yī)患糾紛、環(huán)境污染、食品安全、校園安全等都對(duì)傳統(tǒng)的社會(huì)治理方式提出了挑戰(zhàn)。僅僅依靠政府和法律制度難以對(duì)社會(huì)發(fā)展中各方面矛盾進(jìn)行引導(dǎo)與化解,矛盾的積累對(duì)人民生活乃至社會(huì)穩(wěn)定都有巨大負(fù)面影響。而在推進(jìn)政府職能轉(zhuǎn)變和提高社會(huì)治理水平的過程中,責(zé)任保險(xiǎn)可以發(fā)揮重要作用。本文首先對(duì)責(zé)任保險(xiǎn)相關(guān)概念進(jìn)行概述,并從責(zé)任保險(xiǎn)的保費(fèi)收入、賠付支出、保險(xiǎn)深度、保險(xiǎn)密度及各財(cái)險(xiǎn)公司責(zé)任保險(xiǎn)業(yè)務(wù)收入、中外資財(cái)險(xiǎn)公司責(zé)任險(xiǎn)業(yè)務(wù)占比等角度分析了全國責(zé)任險(xiǎn)發(fā)展現(xiàn)狀,從整體上把握了我國責(zé)任險(xiǎn)發(fā)展。同時(shí),本文從省域和三大區(qū)域(東、中、西部)的視角分析了不同地區(qū)責(zé)任險(xiǎn)在保費(fèi)收入、賠付支出、保險(xiǎn)深度、保險(xiǎn)密度等方面存在的差異,并構(gòu)造責(zé)任保險(xiǎn)發(fā)展指數(shù)LIDI對(duì)不同區(qū)域責(zé)任險(xiǎn)發(fā)展進(jìn)行評(píng)價(jià),根據(jù)2015年各省LIDI指數(shù)排序?qū)⑽覈?1各省分為高、中、低水平組。通過分析我國責(zé)任保險(xiǎn)發(fā)展的影響因素,分別對(duì)高、中、低三組樣本運(yùn)用面板數(shù)據(jù)進(jìn)行影響因素分析,得出不同影響因素對(duì)不同地區(qū)責(zé)任保險(xiǎn)的差異化影響,并提出通過加強(qiáng)與政府合作、增加強(qiáng)制保險(xiǎn)的責(zé)任險(xiǎn)種類、加快健全相關(guān)法律法規(guī)步伐、擴(kuò)大低水平組省份保險(xiǎn)業(yè)的對(duì)外開放、優(yōu)化中等水平組省份產(chǎn)業(yè)結(jié)構(gòu)、穩(wěn)定物價(jià)水平等措施進(jìn)一步完善責(zé)任保險(xiǎn)發(fā)展環(huán)境,通過提高居民收入水平、提升地區(qū)教育水平、加強(qiáng)責(zé)任保險(xiǎn)宣傳、提高企業(yè)與公眾風(fēng)險(xiǎn)意識(shí)等激發(fā)責(zé)任保險(xiǎn)潛在需求,保險(xiǎn)公司也要通過強(qiáng)化市場細(xì)分、提升差異化服務(wù)水平、增加可保風(fēng)險(xiǎn)的多樣性、構(gòu)建專業(yè)風(fēng)險(xiǎn)評(píng)估體系、提升責(zé)任保險(xiǎn)從業(yè)人員專業(yè)素養(yǎng)等方面提高責(zé)任保險(xiǎn)供給水平,提升保險(xiǎn)公司服務(wù)水平。
[Abstract]:The economic development of our country enters the new normal, at present is still in all kinds of contradiction prominent period, the doctor-patient dispute, the environment pollution, the food safety, the campus safety and so on all put forward the challenge to the traditional social management way. It is difficult to guide and resolve the contradictions in social development by relying on the government and legal system alone. The accumulation of contradictions has a great negative impact on people's life and even social stability. In the process of promoting the transformation of government functions and improving the level of social governance, liability insurance can play an important role. This paper first summarizes the related concepts of liability insurance, and from the liability insurance premium income, payment expenses, insurance depth, insurance density and property insurance company liability insurance business income, This paper analyzes the present situation of the development of liability insurance in China from the perspective of the proportion of liability insurance business in Chinese and foreign property insurance companies, and grasps the development of liability insurance in China as a whole. At the same time, from the angle of province and three big regions (east, middle and west), this paper analyzes the differences in premium income, indemnity expenditure, insurance depth, insurance density and so on. The development index of liability insurance is constructed to evaluate the development of liability insurance in different regions. According to the ranking of Lidi index in 2015, 31 provinces in China are divided into high, middle and low level groups. Through the analysis of the influencing factors of the development of liability insurance in China, the influence factors of the three groups of samples, high, middle and low, are analyzed using panel data, and the differential influence of different influencing factors on the liability insurance in different regions is obtained. And through strengthening cooperation with the government, increasing the types of compulsory insurance liability insurance, speeding up the pace of improving the relevant laws and regulations, expanding the opening up of the insurance industry of the lower-level provinces, optimizing the industrial structure of the mid-level provinces, Measures such as stabilizing price levels and other measures to further improve the development environment of liability insurance, stimulate the potential demand for liability insurance by raising the level of residents' income, raising the level of local education, strengthening the publicity of liability insurance, raising the risk awareness of enterprises and the public, etc. Insurance companies should also enhance the supply level of liability insurance by strengthening market segmentation, improving the level of differentiated services, increasing the diversity of insurable risks, establishing a professional risk assessment system, and enhancing the professional quality of liability insurance practitioners. Upgrade the service level of insurance companies.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F842.69

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本文編號(hào)：2003170