【摘要】：我國(guó)在2006年7月1日起施行機(jī)動(dòng)車(chē)交通事故責(zé)任強(qiáng)制保險(xiǎn)(以下簡(jiǎn)稱為“交強(qiáng)險(xiǎn)”),成立以來(lái)已經(jīng)走過(guò)了7個(gè)年頭。交強(qiáng)險(xiǎn),作為首個(gè)通過(guò)立法方式強(qiáng)制施行的保險(xiǎn),充分體現(xiàn)了“以人為本”的理念,有效地保護(hù)了機(jī)動(dòng)車(chē)道路交通事故受害人的權(quán)利。但在我國(guó)建立交強(qiáng)險(xiǎn)制度較晚,處于發(fā)展的初級(jí)階段,還存在許多不完善的地方,虧損問(wèn)題嚴(yán)重,所以扭轉(zhuǎn)我國(guó)交強(qiáng)險(xiǎn)虧損的狀況,成為我國(guó)交強(qiáng)險(xiǎn)發(fā)展的關(guān)鍵。 本文主要分為以下幾個(gè)部分： 第一部分是論文的引言部分,主要說(shuō)明了文章研究的背景和意義、國(guó)內(nèi)外研究文獻(xiàn)綜述及研究的主要內(nèi)容和方法。第二部分是關(guān)于我國(guó)交強(qiáng)險(xiǎn)制度的基本理論,這一部分主要對(duì)交強(qiáng)險(xiǎn)的相關(guān)概念進(jìn)行界定,并介紹社會(huì)公平理論和福利經(jīng)濟(jì)學(xué)理論,希望可以讓讀者對(duì)交強(qiáng)險(xiǎn)能有一個(gè)初步的認(rèn)識(shí)。第三部分是我國(guó)交強(qiáng)險(xiǎn)的虧損現(xiàn)狀及原因分析,介紹我國(guó)機(jī)動(dòng)車(chē)強(qiáng)制責(zé)任保險(xiǎn)的早期發(fā)展、我國(guó)交強(qiáng)險(xiǎn)虧損的現(xiàn)狀及存在的問(wèn)題,對(duì)我國(guó)交強(qiáng)險(xiǎn)的虧損原因進(jìn)行分析。第四部分是調(diào)查問(wèn)卷的分析,針對(duì)我國(guó)交強(qiáng)險(xiǎn)虧損的現(xiàn)狀設(shè)計(jì)并發(fā)放調(diào)查問(wèn)卷,對(duì)我國(guó)交強(qiáng)險(xiǎn)實(shí)施的基本情況進(jìn)行調(diào)查并對(duì)影響我國(guó)交強(qiáng)險(xiǎn)虧損的主要原因進(jìn)行分析,以此為基礎(chǔ)得出影響交強(qiáng)險(xiǎn)虧損的主要因素。第五部分介紹我國(guó)臺(tái)灣地區(qū)交強(qiáng)險(xiǎn)制度的特點(diǎn)及實(shí)施情況,通過(guò)與大陸地區(qū)對(duì)比,為完善我國(guó)大陸交強(qiáng)險(xiǎn)提供了參考和借鑒。第六部分從調(diào)整賠償方式和費(fèi)率角度推動(dòng)交強(qiáng)險(xiǎn)轉(zhuǎn)型升級(jí)等四個(gè)角度對(duì)扭轉(zhuǎn)我國(guó)交強(qiáng)險(xiǎn)的虧損問(wèn)題提供對(duì)策建議。第七部分是文章的結(jié)論。 為扭轉(zhuǎn)交強(qiáng)險(xiǎn)的虧損,本文通過(guò)對(duì)交強(qiáng)險(xiǎn)進(jìn)行了詳細(xì)的介紹,針對(duì)我國(guó)交強(qiáng)險(xiǎn)虧損的情況,在參考他人研究成果和相關(guān)理論的基礎(chǔ)上,提出影響交強(qiáng)險(xiǎn)虧損的主要因素：現(xiàn)行交強(qiáng)險(xiǎn)制度、人傷賠付成本、保險(xiǎn)公司的經(jīng)營(yíng)、道德風(fēng)險(xiǎn)、社會(huì)環(huán)境。以影響交強(qiáng)險(xiǎn)虧損的主要因素為基礎(chǔ)設(shè)計(jì)調(diào)查問(wèn)卷,通過(guò)問(wèn)卷調(diào)查進(jìn)行分析驗(yàn)證,共發(fā)放問(wèn)卷1000份,實(shí)際有效問(wèn)卷798份,通過(guò)分析調(diào)查問(wèn)卷的相關(guān)數(shù)據(jù),得出相應(yīng)的結(jié)論,并與我國(guó)臺(tái)灣地區(qū)的交強(qiáng)險(xiǎn)加以比較,得到一些啟示。根據(jù)調(diào)查結(jié)論,本文從四個(gè)方面對(duì)如何減輕交強(qiáng)險(xiǎn)虧損提出了相關(guān)建議：一是從調(diào)整賠償方式和費(fèi)率角度推動(dòng)交強(qiáng)險(xiǎn)轉(zhuǎn)型升級(jí),在借鑒我國(guó)臺(tái)灣地區(qū)經(jīng)營(yíng)模式的基礎(chǔ)上改進(jìn)我國(guó)交強(qiáng)險(xiǎn)的經(jīng)營(yíng),推動(dòng)交強(qiáng)險(xiǎn)轉(zhuǎn)型升級(jí)。二是從監(jiān)管角度加強(qiáng)宣傳和懲罰力度,提高投保率。三是從細(xì)化管理角度完善保險(xiǎn)公司的經(jīng)營(yíng)管理,提高服務(wù)質(zhì)量,緩解交強(qiáng)險(xiǎn)經(jīng)營(yíng)壓力。四是從擴(kuò)大基金來(lái)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(qiáng)險(xiǎn)制度體系,促進(jìn)道路交通安全,發(fā)揮交強(qiáng)險(xiǎn)保護(hù)人生命與健康的社會(huì)功能和責(zé)任,適應(yīng)我國(guó)社會(huì)和經(jīng)濟(jì)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(xué)位授予單位】：東北農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F842.634

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