本文選題：保險(xiǎn)合同糾紛 + 防范機(jī)制　； 參考：《西南財(cái)經(jīng)大學(xué)》2014年碩士論文

【摘要】：保險(xiǎn)合同糾紛是與保險(xiǎn)市場(chǎng)相生相伴的問(wèn)題,一直存在,并在不斷發(fā)展變化。近年來(lái),隨著電子信息技術(shù)的快速發(fā)展和人們維權(quán)意識(shí)的提高,保險(xiǎn)合同糾紛呈現(xiàn)出新特點(diǎn)新動(dòng)向。這些新特點(diǎn)新動(dòng)向包括保險(xiǎn)合同糾紛投訴數(shù)量全面快速增加、保險(xiǎn)合同糾紛的社會(huì)效應(yīng)不斷擴(kuò)大等。保險(xiǎn)合同糾紛的存在不僅不利于保險(xiǎn)消費(fèi)者權(quán)益的保護(hù)、更不利于塑造保險(xiǎn)業(yè)的形象。鑒于當(dāng)下保險(xiǎn)合同糾紛頻發(fā)的嚴(yán)峻現(xiàn)實(shí),從保險(xiǎn)合同糾紛問(wèn)題的根源出發(fā),找出保險(xiǎn)合同糾紛產(chǎn)生的原因、表現(xiàn)形式,建立完整而嚴(yán)密的保險(xiǎn)合同糾紛防范機(jī)制以減少保險(xiǎn)合同糾紛數(shù)量就很有理論和實(shí)踐意義。 本文主要研究我國(guó)的保險(xiǎn)合同糾紛防范機(jī)制。保險(xiǎn)合同糾紛實(shí)則是保險(xiǎn)合同當(dāng)事人之間的利益對(duì)抗,建立保險(xiǎn)合同糾紛防范機(jī)制勢(shì)必會(huì)對(duì)各主體的利益產(chǎn)生不同影響,所以本文從保險(xiǎn)合同糾紛的特點(diǎn)、成因、表現(xiàn)形式出發(fā),對(duì)保險(xiǎn)合同糾紛防范機(jī)制涉及到的微觀、中觀、宏觀主體行為選擇進(jìn)行分析,并在借鑒國(guó)外經(jīng)驗(yàn)的基礎(chǔ)上,對(duì)我國(guó)保險(xiǎn)合同糾紛防范機(jī)制進(jìn)行構(gòu)建,同時(shí)也明確了保險(xiǎn)人、政府、行業(yè)協(xié)會(huì)在保險(xiǎn)合同糾紛防范機(jī)制中的地位和作用。 本文共分5章內(nèi)容,具體如下： 第1章,保險(xiǎn)合同糾紛防范機(jī)制概述。本部分主要包括保險(xiǎn)合同糾紛的特點(diǎn)、成因、表現(xiàn)形式,并簡(jiǎn)要闡述本文中保險(xiǎn)合同糾紛防范機(jī)制的基本框架和主要內(nèi)容。 第2章,保險(xiǎn)合同糾紛防范機(jī)制分析。該章節(jié)是本論文的重點(diǎn)章。對(duì)保險(xiǎn)合同糾紛防范機(jī)制中涉及到各主體的行為選擇進(jìn)行分析,包括保險(xiǎn)人與投保人誠(chéng)信選擇的完全信息動(dòng)態(tài)博弈,保險(xiǎn)代理人和保險(xiǎn)經(jīng)理人行為選擇的多任務(wù)委托代理模型分析以及保險(xiǎn)人自律選擇的不完全信息動(dòng)態(tài)博弈分析。 第3章,我國(guó)保險(xiǎn)合同糾紛防范機(jī)制的現(xiàn)狀及存在問(wèn)題。該部分主要對(duì)我國(guó)保險(xiǎn)合同糾紛防范機(jī)制中存在的問(wèn)題進(jìn)行分析。 第4章,發(fā)達(dá)國(guó)家和地區(qū)保險(xiǎn)合同糾紛防范機(jī)制的分析和比較。該部分對(duì)英、日及我國(guó)香港地區(qū)的保險(xiǎn)合同糾紛防范機(jī)制進(jìn)行分析和比較,以為我國(guó)提供有益的借鑒。 第5章,我國(guó)保險(xiǎn)合同糾紛防范機(jī)制的構(gòu)建。在以上章節(jié)的基礎(chǔ)上,通過(guò)各主體行為選擇的分析以及借鑒國(guó)外經(jīng)驗(yàn)的基礎(chǔ)上,從宏觀、中觀、微觀三個(gè)層面出發(fā),構(gòu)建我國(guó)相互支持、相互補(bǔ)充的保險(xiǎn)合同糾紛防范機(jī)制。 本文的特色和創(chuàng)新之處可能在于以下幾點(diǎn)：首先研究視角可能具有新意。保險(xiǎn)合同糾紛的相關(guān)文獻(xiàn)主要是事后處理機(jī)制的研究,但是保險(xiǎn)合同糾紛-旦發(fā)生,不僅會(huì)增加處理成本,而且給保險(xiǎn)業(yè)帶來(lái)的聲譽(yù)損失也是巨大的。而對(duì)于保險(xiǎn)合同糾紛事前的防范機(jī)制很少有人系統(tǒng)研究,目前也沒(méi)有成型的結(jié)果,本文著重研究保險(xiǎn)合同糾紛的防范機(jī)制。 其次,在保險(xiǎn)合同糾紛防范機(jī)制的分析這一章節(jié)中,分析微觀、中觀、宏觀層面影響保險(xiǎn)合同糾紛防范機(jī)制構(gòu)建的因素時(shí),運(yùn)用了經(jīng)濟(jì)數(shù)學(xué)模型,包括多階段動(dòng)態(tài)博弈模型、多任務(wù)委托代理模型,聲譽(yù)模型等。 最后,在研究保險(xiǎn)合同糾紛的類型時(shí),運(yùn)用了實(shí)證分析,并且數(shù)據(jù)來(lái)源于近2,3年保監(jiān)會(huì)發(fā)布的最新數(shù)據(jù)。 本文的不足之處在于以下幾點(diǎn)：首先,本文中對(duì)于我國(guó)保險(xiǎn)合同糾紛防范機(jī)制構(gòu)建的建議是從理論角度,缺乏實(shí)踐基礎(chǔ),因此是否能起作用尚不確定。 其次,在保險(xiǎn)糾紛防范機(jī)制的國(guó)際借鑒中,由于國(guó)外資料的獲取有很大難度,所以有可能不能全面的進(jìn)行對(duì)比分析,尤其是微觀主體(保險(xiǎn)人)其數(shù)量眾多,保險(xiǎn)合同糾紛防范也各具特點(diǎn),很難一一獲取。
[Abstract]:The dispute of insurance contract is a problem that is associated with the insurance market. It has always existed and has been developing and changing constantly. In recent years, with the rapid development of electronic information technology and the improvement of people's consciousness of safeguarding rights, the disputes of insurance contract show new characteristics and new trends. These new characteristics and new trends include the total and rapid increase of the number of disputes in insurance contracts. In addition, the social effect of insurance contract disputes is expanding constantly. The existence of insurance contract disputes is not only harmful to the protection of the rights and interests of the insurance consumers, but also not conducive to the image of the insurance industry. In view of the serious reality of the current disputes over the insurance contract, the reasons for the disputes arising from the insurance contract dispute are found out. It is of great theoretical and practical significance to establish a complete and strict insurance contract dispute prevention mechanism to reduce the number of disputes in insurance contracts.
This paper mainly studies the prevention mechanism of insurance contract disputes in our country. The dispute of insurance contract is actually the interest confrontation between the parties of the insurance contract, and the establishment of the mechanism of insurance contract dispute is bound to have different effects on the interests of the various subjects. Therefore, this article starts with the characteristics, causes and forms of the insurance contract disputes and the insurance contract. The mechanism of dispute prevention involves the analysis of microcosmic, meso, macro subject behavior selection, and on the basis of foreign experience, the mechanism of insurance contract dispute prevention in China is constructed, and the status and role of the insurer, the government and the industry association in the anti model mechanism of the insurance contract dispute are also clarified.
This article is divided into 5 chapters, which are as follows:
The first chapter, the overview of the insurance contract dispute prevention mechanism. This part mainly includes the characteristics, causes, forms of the insurance contract disputes, and briefly expounds the basic framework and main contents of the insurance contract dispute prevention mechanism in this article.
The second chapter is the analysis of the insurance contract dispute prevention mechanism. This chapter is the key chapter of this paper. It analyzes the behavior selection of the main body in the insurance contract dispute prevention mechanism, including the full information dynamic game of the insurer and the insurant's good faith selection, the multi task principal agent of the insurance agent and the insurance manager's behavior choice. Model analysis and incomplete information dynamic game analysis of self-regulation of insurers.
The third chapter is the current situation and existing problems of China's insurance contract dispute prevention mechanism. This part mainly analyzes the existing problems in China's insurance contract dispute prevention mechanism.
The fourth chapter, the analysis and comparison of the prevention mechanism of the insurance contract disputes in the developed countries and regions. This part analyses and compares the insurance contract dispute prevention mechanism in Britain, Japan and the Hongkong region of our country, in order to provide useful reference for our country.
The fifth chapter, the construction of China's insurance contract dispute prevention mechanism. On the basis of the above chapters, on the basis of the analysis of the behavior selection of the main body and the experience of foreign countries, from the macro, meso and micro three levels, we build our mutual support and complementary insurance contract dispute prevention mechanism.
The characteristics and innovation of this article may be the following points: first of all, the research perspective may be new. The related literature of the insurance contract disputes is mainly the study of the post-processing mechanism, but the insurance contract dispute, denier, will not only increase the cost of treatment, but also bring a huge reputation loss to the insurance industry. There are few systematic researches on the prevention mechanism of contract disputes, and there is no result at present. This paper focuses on the prevention mechanism of disputes in insurance contracts.
Secondly, in the analysis of the insurance contract dispute prevention mechanism, the economic mathematical model, including multi-stage dynamic game model, multi-task principal-agent model, reputation model, is used to analyze the factors affecting the construction of insurance contract dispute prevention mechanism in the micro, meso and macro level.
Finally, when studying the types of insurance contract disputes, we use the empirical analysis, and the data come from the latest data released by the CIRC in recent 2,3 years.
The inadequacies of this paper are the following points: first, the suggestions for the construction of China's insurance contract dispute prevention mechanism are from the theoretical point of view, the lack of practical basis, so it is not sure whether it can play a role.
Secondly, in the international reference of the insurance dispute prevention mechanism, the acquisition of foreign information is very difficult, so it may not be completely contrastive analysis, especially the large number of the micro body (the insurer), and the insurance contract dispute prevention is also of various characteristics, it is difficult to obtain one by one.
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F842.3

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