我国体育保险的现状、瓶颈与突破

发布时间：2018-03-30 17:35

本文选题：体育保险　切入点：瓶颈　出处：《体育科学》2017年01期

【摘要】：发达国家的经验证明,体育保险在防范体育风险、促进体育事业发展方面作用显著,但我国体育保险存在法律制度基础薄弱、组织管理集中化与基层组织分散化并存、保险市场环境以及体育保险精算技术有待完善等方面的瓶颈,制约了我国体育保险的发展。提出了突破瓶颈、建立并优化我国体育保险制度的建议:首先,建议参照《中华人民共和国保险法》、《中华人民共和国体育法》等法律法规的内容,制定《体育保险条例》,弥补我国体育保险法律制度的空白;其次,应积极建立职业、高校和社区等多层次体育俱乐部制度;最终,建立以社会体育保险和商业体育保险为方向,以学校体育保险为重点的较为完善的体育保险体系。通过建立专业的体育保险公司,设计丰富的体育保险产品,应用科学的精算技术,开放潜在的理赔数据库,提高保险公司的理赔实务能力和公民的保险知识水平。
[Abstract]:The experience of developed countries has proved that sports insurance plays a significant role in preventing sports risks and promoting the development of sports undertakings. However, there is a weak legal system foundation for sports insurance in our country, and the centralization of organization and management coexist with decentralization of grass-roots organizations. The bottleneck of the insurance market environment and sports actuarial technology needs to be improved, which restricts the development of sports insurance in China. The suggestions of breaking through the bottleneck and establishing and optimizing the sports insurance system in China are put forward: first of all, According to the contents of the laws and regulations such as the Insurance Law of the people's Republic of China and the Sports Law of the people's Republic of China, it is suggested that the regulations on Sports Insurance should be formulated to make up for the gaps in the legal system of sports insurance in China. Finally, establish a more perfect sports insurance system with social sports insurance and commercial sports insurance as the direction and school sports insurance as the emphasis. Through the establishment of professional sports insurance companies, Design rich sports insurance products, apply scientific actuarial technology, open the database of potential claims, improve the practical ability of insurance companies and the level of insurance knowledge of citizens.
【作者单位】：对外经济贸易大学保险学院;
【分类号】：G80-05

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