山西省六所体育院（系）学生体育保险需求与制度构建研究

发布时间：2018-02-13 09:14

本文关键词： 体育院系学生体育保险现状分析制度构建　出处：《山西师范大学》2013年硕士论文　论文类型：学位论文

【摘要】：体育院系的学生在学习和训练过程中随时都存在风险的发生，学生体育保险作为转移风险的一种重要手段对于体育院系正常的教学工作和学生的学习、训练都具有重要意义。自从世界大学生运动会、全国大学生运动会的召开和“高校试办高水平专业运动队”制度的产生，体育的竞赛性在体育院系中越来越突出。但风险管控却远不及专业运动队。发生体育运动意外伤害事故，会给学生造成身体和心里上的伤害，同时也会带来不同程度的经济损失，面对这一问题谁能为学生们提供风险保障，，这已成为人们日益关注的问题。加强对体育院系学生体育保险的研究，提出建设性的意见，在当前是十分必要的。一个完整的保险市场由投保人、保险人、保险中介、保险监管机构组成。投保人是保险的消费人群，为保险业的发展提供充足的原动力；保险人做为保险的经营机构，负责满足消费者对保险产品的需求，同时对保险产品提供承保、理赔等服务；政府作为保险监管机构，为保险市场提供健全的制度和法律环境；保险中介作为连接保险人和被保险人的桥梁，对促进保险市场的发展具有十分重要的作用。通过对体育院系学生体育风险管理和学生参与保险状况的分析，总结出阻碍体育院系学生体育保险发展的各种因素，这些因素主要有：学生保险意识薄弱、保险业监管体制不健全、保险行业发展不完善、保险宣传力度不够、学生缺乏保险购买力、险种结构单一保险人才缺乏、立法滞后。通过对这些制约因素的具体分析，分别从学生的保险意识、保险经纪人制度、保险运营体制、保险监管体制、法制环境建设五个方面结合实际情况分别提出相应的制度构建。
[Abstract]:There are risks in the process of study and training of students in physical education colleges and departments. As an important means to transfer risks, student sports insurance is of great significance to normal teaching work of physical education departments and students' learning and training. Since the Universiade, the National Universiade and the system of "try to set up high-level professional sports teams in colleges and universities", The competitive nature of sports is becoming more and more prominent in sports academies and departments. However, risk control is far from that of professional sports teams. Sports accidents can cause physical and mental harm to students. At the same time, it will also bring different degrees of economic losses. Facing this problem, who can provide risk protection for students has become a growing concern. It is necessary at present. A complete insurance market is composed of policy holders, insurers, insurance intermediaries, and insurance regulatory bodies. The insured is the consumer of insurance and provides sufficient impetus for the development of the insurance industry. To meet the needs of consumers for insurance products, and to provide insurance products insurance, claims and other services; the government, as an insurance regulatory agency, to provide a sound system and legal environment for the insurance market; As a bridge between insurer and insured, insurance intermediary plays an important role in promoting the development of insurance market. Based on the analysis of sports risk management and students' participation in insurance, the author summarizes the factors that hinder the development of sports insurance. These factors include: the weak consciousness of students' insurance. Insurance supervision system is not perfect, insurance industry development is not perfect, insurance propaganda is not enough, students lack insurance purchasing power, insurance structure is lack of single insurance talent, legislation lags behind. The corresponding system construction is put forward from five aspects of students' insurance consciousness, insurance broker system, insurance operation system, insurance supervision system and legal environment construction.
【学位授予单位】：山西师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.6;G807.4

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