保险企业对客户承担社会责任的机制研究

发布时间：2018-03-15 22:12

本文选题：保险企业　切入点：社会责任　出处：《西南交通大学》2017年硕士论文　论文类型：学位论文

【摘要】：企业承担社会责任不仅是企业自身可持续发展的必然要求,更是社会经济和谐进步的必备要素。保险企业因其行业特殊性,主动承担企业社会责任对其尤为重要,不仅可以提升企业自身形象、为企业员工提供良好的价值观和归属感,更是可以更多的得到政府的支持,对推动社会经济发展起到重要作用。而政府作为公共事务的监督者与管理者,在倡导企业履行社会责任方面有义不容辞的责任,因此,研究保险企业承担社会责任的机制问题,具有现实意义和理论意义。为研究国内保险企业承担社会责任的现状,笔者查阅了大量企业社会责任相关的书籍和电子报刊杂志,并通过中国人保、中国人寿、中国平安、太平洋保险等几家具有代表性的保险企业的官方网站上的公开披露信息,了解目前保险企业承担社会责任的情况。本文通过对保险客户、保险销售人员、保险企业管理人员的问卷调研,结合相关研究文献,探讨保险企业承担社会责任的现状、分析保险企业承担社会责任存在的问题,并提出解决问题的对策与措施。本文通过研究指出保险企业对客户承担社会责任的问题主要包括三方面:一是对社会责任认识的缺失,二是对客户权益保护的缺失,三是保险产品的缺失。针对存在的主要问题,结合国外先进经验借鉴,提出以下具体的改进对策方案:企业内部治理,包括转换价值观念、重视优质产品开发、完善营销员管理制度、进行服务创新;构建外部环境,包括加强社会对企业社会责任的价值观建立、加强法制建设、引用政策激励推动企业承担社会责任的主动性、加强保险客户教育、加强保险行业协会及其他社会组织的监督作用。本文提出的具体对策,对保险行业主动承担社会责任具有一定的参考价值。
[Abstract]:Corporate social responsibility is not only the inevitable requirement of the sustainable development of enterprises, it is essential for the harmonious development of the social economy. Insurance companies because of the particularity of the industry, corporate social responsibility initiative is particularly important for it, not only can enhance the image of the enterprise, provide good values and a sense of belonging to the enterprise employees, can be more more support from the government, an important role to promote social and economic development. And the government as the supervisor and the management of public affairs, has an unshirkable responsibility, in promoting corporate social responsibility so mechanism study of insurance corporate social responsibility, has theoretical and practical significance. The status of Social Responsibility Study on the domestic insurance companies, the author access to a large number of corporate social responsibility related books and electronic newspapers and magazines, and by the Chinese people's insurance, in China life, Ping An China, information disclosure of insurance company Pacific Insurance and several representative on the official website, to understand the current situation of insurance corporate social responsibility. Based on the insurance customers, insurance sales personnel, management personnel of the insurance enterprise survey, combined with relevant literature, to discuss the present situation of Insurance Corporate social responsibility, analysis of insurance corporate social responsibility problems, and puts forward the countermeasures and measures to solve the problem. This paper pointed out that the insurance corporate social responsibility to customer problems mainly includes three aspects: one is the lack of social responsibility awareness, the two is the lack of protection of the interests of customers, the three is the lack of insurance the product. For the main problems, combined with foreign advanced experience, put forward the following countermeasures: specific internal governance, including the conversion price The concept of value, quality of product development, improve the marketing management system, service innovation; construct the external environment, including strengthening the social value of the corporate social responsibility concept to establish, strengthen the construction of legal system, citing policy incentive initiative to promote the enterprise bear the social responsibility, strengthen the insurance customer education, strengthen the supervision function of the insurance industry associations and other social organization. Specific measures are presented in this paper, the insurance industry to undertake the social responsibility has a certain reference value.

【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.3;F274

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