我国保险保障基金制度研究

发布时间：2018-01-24 15:48

本文关键词： 保险保障基金保险公司消费者保护　出处：《江西财经大学》2015年硕士论文　论文类型：学位论文

【摘要】：由于金融市场带有脆弱性和外部性,同时资本市场发展迅速,一个平稳发展的保险行业关乎千万投资者的切身利益,又牵动金融市场的每根神经,保险保障基金制度应时代的要求而来,实在是大势所趋。1我国的保险保障基金制度建立的标志是2005年的《保险保障基金管理办法》的出台,四年之后,也就是2008年该办法有了较大的修改与完善,可以说有了质的飞跃,即便如此,我国《保险保障基金管理办法》仍旧存在很多问题,与欧美的国家相比更是相形见绌。本文综合运用了经济法学、社会学、保险法学、法理学、法经济学等学科的基础理论知识,结合比较研究的方法,宏观我国保险业的现状,通过与三个具备典型性的国家日本、美国和英国,以及英国代表下的欧盟的先进制度进行比较,对我国的制度进行一些新思考。本文拟将利用以下三章内容来论述我国保险保障基金制度:首章由保险保障基金的理念入门,简明阐述保险保障基金制度的产生、理论基础,带大家了解我国的制度以及目前阶段我国制度存在的问题、该制度对我国资本市场的重要作用,表达对该制度进行完善的紧迫性和重要性。第二章是保险保障基金的域外比较。本章主要带大家了解日本、美国、英国的国家保险保障基金制度,进行国际差异比较,取长补短,为我国保险保障基金制度的完善提供参考。第三章则回归我国的制度现状,有了前文的分析比较,仔细分析我国的《保险保障基金管理办法》,发现问题,找出解决途径,从制度的制定本意出发,即以消费者保护为中心,从立法宗旨方面、适格补偿对象方面、监管权限方面、清算职责方面分别考虑问题所在,并提出可行建议。
[Abstract]:Because of the fragility and externality of the financial market and the rapid development of the capital market, a smooth development of the insurance industry relates to the vital interests of tens of millions of investors, and affects every nerve of the financial market. The insurance guarantee fund system comes in response to the request of the times. 1 the sign of the establishment of our country's insurance guarantee fund system is the introduction of "insurance guarantee fund management method" in 2005, four years later. That is, in 2008, the method has been greatly modified and improved, can be said to have a qualitative leap, even so, China's "Insurance Security Fund Management measures" still exist a lot of problems. Compared with the European and American countries, this paper uses the basic theoretical knowledge of economic law, sociology, insurance law, jurisprudence, law economics and so on, combined with the method of comparative research. The present situation of the macro insurance industry in China is compared with the advanced institutions of the European Union under the representative of Japan, the United States and the United Kingdom, which are the three typical countries. This paper intends to use the following three chapters to discuss the insurance security fund system in China: the first chapter is the introduction to the concept of insurance security fund. This paper briefly expounds the emergence and theoretical basis of the insurance guarantee fund system, and takes us to understand the system of our country and the problems existing in our system at the present stage. This system plays an important role in the capital market of our country. Express the urgency and importance of perfecting the system. The second chapter is the extraterritorial comparison of the insurance protection fund. This chapter mainly introduces the national insurance fund system of Japan, the United States and the United Kingdom. International differences, learn from each other to provide a reference for the improvement of the insurance fund system. The third chapter is to return to the current situation of our system, with the previous analysis and comparison. Carefully analyze our country's "insurance guarantee fund management method", find out the problem, find out the solution, proceed from the original intention of the system, that is, take the consumer protection as the center, from the legislative aim aspect. In terms of appropriate compensation object, supervision authority and liquidation duty, the problems are considered, and some feasible suggestions are put forward.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.284

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