本文選題：壽險營銷員 + 消費誤導(dǎo)�。� 參考：《西南財經(jīng)大學(xué)》2013年碩士論文

【摘要】：根據(jù)“十二五”期間保險中介市場發(fā)展與監(jiān)管研究報告指出,截止2010年底,我國共有保險營銷員3297786人,2010年全年實現(xiàn)保費收入4682.08億元,占總保費收入的42.6%；實現(xiàn)業(yè)務(wù)收入568.96億元,占總業(yè)務(wù)收入的58.6%。龐大的保險營銷員隊伍在帶來巨額保費收入的同時也暗藏隱患,集中體現(xiàn)在保險營銷員違規(guī)操作損害保險消費者利益方面。自2006年4月《保險營銷員管理規(guī)定》出臺以來,短短幾年間保監(jiān)會先后頒布眾多規(guī)范保險中介市場特別是營銷員的法規(guī)、政策制度。并下發(fā)《關(guān)于做好保險消費者權(quán)益保護工作的通知》,出臺涉及保險消費者權(quán)益保護方面的有關(guān)文件、規(guī)章240余項,共有16個保監(jiān)局設(shè)立了消費者權(quán)益保護處(或科),明確了專門的崗位和人員。2013年新年伊始,保監(jiān)會主席項俊波在全國保險監(jiān)管工作會議上強調(diào)在過去的基礎(chǔ)上進一步加大消費者權(quán)益保護工作力度,致力于徹底治理保險營銷員誤導(dǎo)保險消費這一阻礙我國保險業(yè)健康、可持續(xù)發(fā)展的毒瘤,以切實維護廣大保險消費者合法權(quán)益。 本文以壽險營銷員制度理論及壽險消費的特殊性為出發(fā)點,在綜合整理保險消費誤導(dǎo)具體表象、成因、影響的基礎(chǔ)上,結(jié)合大量中外文獻探索提出關(guān)于防范我國壽險營銷員誤導(dǎo)保險消費的思路及政策措施。具體內(nèi)容和主要觀點陳述如下。 緒論部分,闡述本文研究目的意義、國內(nèi)外研究現(xiàn)狀、研究的思路、結(jié)構(gòu)及方法等。 第一部分,營銷員概述。參照2006年保監(jiān)會頒布的《保險營銷員管理規(guī)定》中關(guān)于保險營銷員的闡述,在結(jié)合我國保險市場實際的基礎(chǔ)上,明確目前我國保險營銷員與個人保險代理人內(nèi)涵及外延一致,作為本文整篇文章對保險營銷員的界定。在回顧我國保險營銷員制度發(fā)展歷程的基礎(chǔ)上,總結(jié)營銷員制度對保險業(yè)發(fā)展的意義。 第二部分,壽險消費理論基礎(chǔ)。首先綜合考量定義保險消費和保險消費者,明確保險消費保護立法及執(zhí)法前提；其次從消費品、交易結(jié)算方式及消費結(jié)果方面,分析保險消費的特殊性；再次從保險的估值方式、保費的繳納方式、業(yè)務(wù)性質(zhì)功能、保險責(zé)任期限等方面比較,認(rèn)真總結(jié)壽險消費特點；最后指出因保險市場固有的信息不對稱、附和合同、合同條款專業(yè)性強及壽險合同履約期限長等特點,使保險消費特別是壽險消費對法律保護具有更高層次的要求。 第三部分,壽險消費誤導(dǎo)及其影響分析。本文試圖對壽險消費誤導(dǎo)全面分析,指出保險產(chǎn)品不當(dāng)銷售、與金融產(chǎn)品概念混淆、故意回避保險產(chǎn)品重要信息、肆意夸大保險產(chǎn)品收益、同業(yè)詆毀為其主要表現(xiàn)形式；接著透析保險消費誤導(dǎo)現(xiàn)象源自壽險消費者、壽險營銷員、保險公司、法律及監(jiān)管四方面的成因；最后總結(jié)壽險消費誤導(dǎo)對保險消費者、保險公司乃至我國保險行業(yè)的不良影響。 第四部分,營銷員制度的國際比較及啟示。本部分重點從營銷員的組織形式、從業(yè)資格的獲取及再教育培訓(xùn)和監(jiān)管方面認(rèn)真總結(jié)國外及其他地區(qū)經(jīng)驗,以期通過國際經(jīng)驗的啟示、借鑒引發(fā)思考我國的不足,從中吸取精髓,構(gòu)建治理對策。 第五部分,防范壽險營銷員誤導(dǎo)保險消費的思路及對策。本部分根據(jù)保監(jiān)會最新會議精神以及近期出臺的相關(guān)政策、部門規(guī)章等規(guī)范性文件,同時結(jié)合我國保險實踐,在就防范壽險營銷員誤導(dǎo)保險消費問題,從微觀保險消費雙方主體、中觀保險行業(yè)層面以及宏觀法律制度三方面,多角度、全方位提出治理的對策、思路及措施。以為對有效防范壽險營銷員誤導(dǎo)保險消費的政策制定提供一定的理論基礎(chǔ)和借鑒意義。
[Abstract]:According to the research report on the development and supervision of insurance intermediary market during the 12th Five - Year Plan period , the total income of the insurance salesman in our country is 3,777,86 by the end of 2010 , and the annual premium income in 2010 is 468.08 billion yuan , accounting for 42.6 % of the total premium income ;
Since April , 2006 , the CIRC has promulgated numerous laws and regulations concerning the protection of consumer rights and interests .

Based on the theory of life insurance salesman system and the particularity of life insurance consumption , this paper puts forward the thinking and policy measures to guard against misleading insurance consumption of life insurance salesman in China .

In the preface , this paper expounds the significance of the study , the current situation of research at home and abroad , the thinking , structure and method of the research .

The first part , the salesman ' s overview . With reference to the insurance salesman ' s statement issued by the Insurance Regulatory Commission in 2006 , on the basis of the practice of the insurance market in China , it is clear that the connotation and extension of the insurance salesman and personal insurance agent in our country are consistent , as the definition of the whole article to the insurance salesman . On the basis of reviewing the development course of the insurance salesman system in our country , the significance of the system of the salesman to the development of insurance industry is summarized .

The second part , on the basis of the theory of life insurance consumption , firstly considers the definition of insurance consumption and insurance consumers , and makes clear the legislation of insurance consumption protection and the premise of law enforcement ;
Secondly , the particularity of insurance consumption is analyzed from the aspects of consumer goods , transaction settlement and consumption results .
Thirdly , compare the valuation way of insurance , the way of payment of premium , the function of business property , the period of insurance responsibility and so on , summarize the characteristics of life insurance ;
Finally , it points out that the insurance consumption , especially life insurance consumption , has a higher level requirement for legal protection because of the characteristics of the information asymmetry , the attached contract , the contract terms and the duration of the life insurance contract .

The third part , the misleading of life insurance consumption and its influence analysis . In this paper , we try to mislead the whole analysis of life insurance consumption , point out that the insurance products are improperly sold , confused with the concept of financial products , deliberately avoid the important information of insurance products , overstate the benefits of insurance products and denigrate the same industry as its main manifestations ;
Then , the misleading phenomenon of dialysis insurance is derived from the causes of life insurance consumer , life insurance salesman , insurance company , law and supervision .
Finally , summarize the negative effects of life insurance consumption on insurance consumers , insurance companies and the insurance industry in China .

The fourth part , the international comparison of the salesman system and the enlightenment . This part focuses on the organization form of the salesman , the acquisition of the qualification and the training and supervision of re - education , so as to summarize the experience of foreign countries and other regions .

The fifth part is to prevent life insurance salesman from misleading insurance consumption thinking and countermeasure . According to the latest meeting spirit of the CIRC and relevant policies , department rules and other normative documents issued recently , in combination with the insurance practice of our country , in the light of the insurance practice of our country , in order to prevent life insurance salesman from misleading insurance consumption problem , from the micro insurance consumer both the main body , the meso - view insurance industry level and the macro - legal system three aspects , multi - angle , all - round put forward the management countermeasure , thought and measure .
【學(xué)位授予單位】：西南財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F842.3

【參考文獻】

相關(guān)期刊論文 前10條

1 安祥林;;淺談我國保險市場營銷存在的問題及對策[J];商業(yè)研究;2005年23期

2 許恒平;論我國壽險個人代理人制度的完善[J];保險研究;2001年03期

3 劉元智,先振國;析我國個人代理人違規(guī)現(xiàn)象[J];保險研究;2003年08期

4 張建文;伍操;;保險營銷員的法律地位探析[J];保險研究;2008年06期

5 趙波;;保險銷售誤導(dǎo)的危害及治理建議[J];保險研究;2008年06期

6 陳聰;;論保護保險消費者利益與保險業(yè)的科學(xué)發(fā)展[J];保險研究;2009年04期

7 安秀洪;王曉東;丁洪生;;保險中介市場風(fēng)險狀況及監(jiān)管對策[J];保險研究;2009年06期

8 ;2011年宏觀經(jīng)濟展望及其對保險業(yè)的影響[J];保險研究;2011年02期

9 陳功;閻國順;;對我國保險專業(yè)中介發(fā)展問題的思考[J];保險研究;2012年01期

10 王潔;;《關(guān)于改革完善保險營銷員管理體制的意見》之我見[J];法制與社會;2011年14期

相關(guān)博士學(xué)位論文 前1條

1 張春平;我國保險營銷人員激勵機制研究[D];哈爾濱工程大學(xué);2008年

，

本文編號：2026253