最大诚信原则在寿险中的实践研究

发布时间：2018-03-12 06:25

本文选题：人寿保险　切入点：最大诚信原则　出处：《河北大学》2014年硕士论文　论文类型：学位论文

【摘要】：人寿保险业的健康发展离不开保险基本原则的贯彻执行，其中，最大诚信原则作为保险基本原则的灵魂，自始至终贯穿人寿保险业务的全部流程，只有保险双方当事人遵循最大诚信原则，才能保证我国人寿保险业的健康发展。现代保险业在我国属于舶来品，在我国生根落地不过近百年的事情，近十几年随着保险业的高速发展，人寿保险开始走进千家万户。而人寿保险公司也由建国初的几家垄断型公司迅速发展为七十余家中外资人寿保险公司，人寿保险市场大力扩张，人寿保险特别是新型产品成为人们获得保障、投资理财的新途径，人寿保险公司曝光率空前高涨。但是，由于历史发展较短，，我国有关保险理论研究存在先天不足，理论研究的进程远远滞后于保险实践，特别是人寿保险最关键的发展基石——最大诚信原则及其在人寿保险中的适用研究仍然处于初级阶段。目前，我国正处于信用建设初期，各行各业诚信建设问题突出，其中人寿保险尤其凸显，保险销售误导、投保人不如实告知等诚信问题日益泛滥，导致人寿保险纠纷不断，已经严重影响到先天不足的人寿保险市场，人寿保险业遇到了发展中的瓶颈。本文主要采取比较分析法、案例分析法、理论与实践相结合的研究方法，通过对最大诚信原则的解析，以其在保险双方当事人的保险活动中的要求为出发点,理论联系实际，系统阐述了最大诚信原则的含义、内容、国内外研究结果、法律规定等，结合中国人寿保险股份有限公司相关案例体现的最大诚信原则现状,分析最大诚信原则在我国的实践现状、在人寿保险业存在的问题和原因，文章最后系统地提出了最大诚信原则在我国寿险中规范发展的建议，结合目前我国人寿保险业发展中遇到的困惑和瓶颈，分别针对国内人寿保险公司和投保人被保险人违反最大诚信原则现象的防范方法进行了系统的论述，以期达到诚信经营寿险、构建和谐社会的目的。本文力求通过详实的案例，结合人寿保险实践，对改善最大诚信原则在我国人寿保险中的适用，推进诚信建设，构筑诚信经营、诚信投保的和谐保险市场奉献一份绵薄之力。
[Abstract]:The healthy development of the life insurance industry can not be separated from the implementation of the basic principles of insurance. Among them, the principle of maximum good faith, as the soul of the basic principles of insurance, runs through the whole process of life insurance business from beginning to end. Only if both parties follow the principle of maximum good faith, can we ensure the healthy development of our life insurance industry. The modern insurance industry belongs to foreign goods in our country, but it has not taken root in our country for nearly 100 years. In recent years, with the rapid development of the insurance industry, life insurance has begun to enter thousands of households. And life insurance companies have developed rapidly from several monopolistic companies in the early years of the founding of the people's Republic to more than 70 domestic and foreign life insurance companies. The life insurance market has expanded vigorously, life insurance, especially new products, has become a new way for people to obtain security, and investment and financial management. The exposure rate of life insurance companies has never been higher. However, due to the short history of development, The study of insurance theory in our country has its inherent defects, and the process of theoretical research lags far behind the practice of insurance. Especially, the principle of maximum good faith and its application in life insurance are still in the primary stage. At present, our country is in the early stage of credit construction, and the problems of credit construction in various industries are prominent. Among them, life insurance is particularly prominent, with misguided insurance sales and untruthful disclosure by policy holders, which are increasingly rampant, leading to life insurance disputes, which have seriously affected the life insurance market, which is naturally deficient. The life insurance industry has encountered a bottleneck in its development. This article mainly adopts the comparative analysis method, the case analysis method, the theory and the practice unifies the research method, through the analysis to the maximum good faith principle, regards its request in the insurance activity of both parties of insurance as the starting point, the theory unifies the practice, This paper systematically expounds the meaning, content, domestic and foreign research results, legal provisions and so on of the principle of maximum good faith, combined with the current situation of the principle of maximum good faith embodied in the relevant cases of China Life Insurance Co., Ltd. This paper analyzes the practice situation of the principle of maximum good faith in our country, the problems and reasons existing in the life insurance industry. At the end of the article, the paper systematically puts forward the suggestion of the development of the principle of maximum good faith in life insurance of our country. Combined with the puzzlement and bottleneck encountered in the development of life insurance industry in our country at present, this paper systematically discusses the prevention methods of the violation of the principle of maximum good faith by domestic life insurance companies and insured persons. In order to achieve the purpose of managing life insurance in good faith and building a harmonious society, this paper tries to improve the application of the principle of maximum good faith in life insurance of our country through detailed cases and practice of life insurance, to promote the construction of good faith and to build up good faith management. Good faith insurance harmonious insurance market contribution to a modest force.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.62

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