我国寿险消费者权益保护机制研究

发布时间：2018-03-20 03:30

本文选题：寿险　切入点：消费者权益　出处：《广西大学》2017年硕士论文　论文类型：学位论文

【摘要】：作为金融的一个重要组成部分,保险消费者权益必须得到保护。而保险市场中的寿险产品由于其设计的复杂性,以及对整个保险市场巨大的影响力,因此寿险消费者纠纷的社会影响力更是不容小觑。本文在对寿险消费者相关概念作了详细解释的基础上,借鉴国外经验,结合中国保监会披露的历年中国消费者投诉案件数据,分析目前我国寿险市场消费者权益受侵害的现状以及监管方、公司方与消费者方三方存在的问题。首先公司经营主体存在重利轻管理、寿险合同设置过于复杂以及个人营销员体制不合理的问题;其次,监管方对保险费率的监管力度不够、法律法规条文存在盲区并且消费者的维权渠道少之又少;关于消费者方,主要存在的问题有消费者对寿险认知程度低、在选购产品时重价格轻功效并且为数不少的消费者契约意识薄弱。因此,笔者从监管方、公司方、消费者方三个角度较为系统地提出如何构建我国保险消费者权益保护机制:其一是对监管机制的完善,加强信息披露的监管、建立投诉纠纷解决机制,为寿险消费者提供健全的维权法律环境;其次对寿险公司进行治理改进,大力扶持保险公司改革营销模式,引导寿险业对保险合同条款通俗化,完善我国寿险个人营销员体制,在监管之外,提高寿险市场的自我调节能力;最后对消费者的寿险教育重视起来,让其具有维权自主性与独立性,同时提高他们的契约意识,提升他们对保险的认知。在这些主体共同协调合作之下,构建一个完善的消费者权益保护机制。
[Abstract]:As an important part of financial, insurance consumer rights must be protected. But in the insurance market of life insurance products because of its design complexity, and the huge insurance market influence, therefore the life insurance consumer disputes the social influence is not to be underestimated. Based on the insurance related concepts were based on detailed explanation and learn from foreign experience, combined with the Chinese CIRC disclosure over Chinese consumer complaints data, analysis of the rights and interests of consumers in China's life insurance market against the present situation as well as regulators, companies and consumers three problems. Firstly, the main business profit light management, life insurance contract setting is too complex and personal marketing member system unreasonable; secondly, the supervision of regulators of insurance premium rate is not enough, the laws and regulations exist blind area and elimination Consumer rights channels less and less; on the consumer side, the main problems of the life insurance consumer cognition degree is low, the price in the purchase of products and light effect as the number of consumer contract consciousness is weak. Therefore, the author from the regulators, the company, the three party perspective systematically put forward how to consumers the construction of China's insurance consumer rights protection mechanism: one is to improve the supervision mechanism, strengthening the information disclosure regulation, establish a complaint dispute settlement mechanism, to provide a sound legal environment for life insurance consumer rights; secondly the life insurance company governance improvement, vigorously support the reform of the marketing mode of the insurance company, life insurance industry popularization of insurance guide the terms of the contract, to improve China's personal life insurance marketing system, in addition to regulation, improve the life insurance market self adjustment ability; at the end of the consumer life education pay attention to it, so It has the independence and independence of safeguarding rights, at the same time, improves their contract consciousness and improves their cognition of insurance. Under these common coordination and cooperation, a perfect consumer rights and interests protection mechanism is constructed.

【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.62

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