【摘要】：我國在2006年7月1日起施行機動車交通事故責任強制保險(以下簡稱為“交強險”),成立以來已經(jīng)走過了7個年頭。交強險,作為首個通過立法方式強制施行的保險,充分體現(xiàn)了“以人為本”的理念,有效地保護了機動車道路交通事故受害人的權利。但在我國建立交強險制度較晚,處于發(fā)展的初級階段,還存在許多不完善的地方,虧損問題嚴重,所以扭轉我國交強險虧損的狀況,成為我國交強險發(fā)展的關鍵。 本文主要分為以下幾個部分： 第一部分是論文的引言部分,主要說明了文章研究的背景和意義、國內外研究文獻綜述及研究的主要內容和方法。第二部分是關于我國交強險制度的基本理論,這一部分主要對交強險的相關概念進行界定,并介紹社會公平理論和福利經(jīng)濟學理論,希望可以讓讀者對交強險能有一個初步的認識。第三部分是我國交強險的虧損現(xiàn)狀及原因分析,介紹我國機動車強制責任保險的早期發(fā)展、我國交強險虧損的現(xiàn)狀及存在的問題,對我國交強險的虧損原因進行分析。第四部分是調查問卷的分析,針對我國交強險虧損的現(xiàn)狀設計并發(fā)放調查問卷,對我國交強險實施的基本情況進行調查并對影響我國交強險虧損的主要原因進行分析,以此為基礎得出影響交強險虧損的主要因素。第五部分介紹我國臺灣地區(qū)交強險制度的特點及實施情況,通過與大陸地區(qū)對比,為完善我國大陸交強險提供了參考和借鑒。第六部分從調整賠償方式和費率角度推動交強險轉型升級等四個角度對扭轉我國交強險的虧損問題提供對策建議。第七部分是文章的結論。 為扭轉交強險的虧損,本文通過對交強險進行了詳細的介紹,針對我國交強險虧損的情況,在參考他人研究成果和相關理論的基礎上,提出影響交強險虧損的主要因素：現(xiàn)行交強險制度、人傷賠付成本、保險公司的經(jīng)營、道德風險、社會環(huán)境。以影響交強險虧損的主要因素為基礎設計調查問卷,通過問卷調查進行分析驗證,共發(fā)放問卷1000份,實際有效問卷798份,通過分析調查問卷的相關數(shù)據(jù),得出相應的結論,并與我國臺灣地區(qū)的交強險加以比較,得到一些啟示。根據(jù)調查結論,本文從四個方面對如何減輕交強險虧損提出了相關建議：一是從調整賠償方式和費率角度推動交強險轉型升級,在借鑒我國臺灣地區(qū)經(jīng)營模式的基礎上改進我國交強險的經(jīng)營,推動交強險轉型升級。二是從監(jiān)管角度加強宣傳和懲罰力度,提高投保率。三是從細化管理角度完善保險公司的經(jīng)營管理,提高服務質量,緩解交強險經(jīng)營壓力。四是從擴大基金來源和規(guī)范基金管理角度健全救助基金制度。希望建立完備的交強險制度體系,促進道路交通安全,發(fā)揮交強險保護人生命與健康的社會功能和責任,適應我國社會和經(jīng)濟高速發(fā)展的需求。
[Abstract]:Since July 1, 2006, China has implemented compulsory insurance for motor vehicle traffic accident liability (hereinafter referred to as "strong insurance"), which has gone through seven years since its establishment. As the first compulsory insurance through legislation, strong insurance fully embodies the concept of "people-oriented" and effectively protects the rights of motor vehicle road traffic accident victims. However, the establishment of the strong insurance system in our country is relatively late, in the primary stage of development, there are still many imperfections, the loss problem is serious, so it has become the key to the development of the strong insurance in our country to reverse the loss of the strong insurance in our country. This paper is mainly divided into the following parts: the first part is the introduction of the paper, which mainly explains the background and significance of the research, the main contents and methods of literature review and research at home and abroad. The second part is about the basic theory of the traffic insurance system in our country, this part mainly defines the related concepts of the traffic risk, and introduces the theory of social equity and welfare economics. It is hoped that readers can have a preliminary understanding of the risk of dealing with strength. The third part is the analysis of the present situation and causes of the loss of the strong insurance in our country, introduces the early development of the compulsory liability insurance of motor vehicles in our country, the present situation and the existing problems of the loss of the strong insurance in our country, and analyzes the causes of the loss of the strong insurance in our country. The fourth part is the analysis of the questionnaire, aiming at the present situation of the loss of the strong risk in our country, designs and distributes the questionnaire, investigates the basic situation of the implementation of the risk of the strong risk in our country, and analyzes the main reasons that affect the loss of the risk of the strong risk in our country. On this basis, the main factors affecting the loss of strong insurance are obtained. The fifth part introduces the characteristics and implementation of the insurance system in Taiwan, and provides a reference and reference for the improvement of the insurance system in mainland China by comparing with the mainland. The sixth part provides countermeasures and suggestions to reverse the loss of strong insurance in China from four angles: adjusting compensation mode and rate to promote the transformation and upgrading of strong insurance. The seventh part is the conclusion of the article. In order to reverse the loss of strong insurance, this paper introduces the risk in detail, and on the basis of referring to the research results of others and related theories, in view of the situation of the loss of strong insurance in our country. The main factors affecting the loss of strong insurance are as follows: the current system of strong insurance, the cost of compensation for human injury, the operation of insurance companies, moral hazard and social environment. Based on the main factors affecting the loss of strong risk, a questionnaire was designed and verified by questionnaire analysis and verification. A total of 1000 questionnaires were sent out, and 798 questionnaires were actually valid. Through the analysis of the relevant data of the questionnaire, the corresponding conclusions were drawn. And compared with the traffic risk in Taiwan, we can get some enlightenment. According to the conclusion of the investigation, this paper puts forward some suggestions on how to reduce the loss of payment risk from four aspects: first, to promote the transformation and upgrading of the risk of payment from the point of view of adjusting the mode and rate of compensation. On the basis of drawing lessons from the management mode of Taiwan area of our country, we can improve the management of traffic insurance in our country and promote the transformation and upgrading of the insurance. Second, from the regulatory point of view to strengthen publicity and punishment, improve the insurance rate. Third, from the perspective of detailed management to improve the management of insurance companies, improve the quality of service, alleviate the pressure of strong insurance management. Fourth, improve the rescue fund system from the point of view of expanding the source of the fund and standardizing the management of the fund. It is hoped that a complete system of traffic insurance system will be established to promote road traffic safety, give full play to the social functions and responsibilities of protecting people's lives and health, and meet the needs of the rapid social and economic development of our country.
【學位授予單位】：東北農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F842.634

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