中美体育保险比较研究

发布时间：2018-03-29 14:16

本文选题：体育　切入点：保险　出处：《西安体育学院》2014年硕士论文

【摘要】：我们都知道,无论在任何时候进行体育锻炼都有可能发生运动损伤,对运动者造成体育伤害,体育风险是时刻伴随着体育运动的过程中的。可以这么说,高风险、易受伤是人们在参与体育活动过程中最大的担心。中国是竞技体育强国,竞技体育水平在世界位列前茅,但是体育保险的发展水平却远远滞后于西方发达国家。因此,我认为,通过与美国的体育保险进行比较研究,学习、借鉴他们的先进经验,找到我国体育保险发展过程中的差距与不足,为我国体育保险的进一步发展提供思路。只有我们自己的体育保险发展起来了,我们才能真正做到拓宽保险行业业务范围,以及切实增强整个体育行业抵抗风险的能力,在促进我国体育产业和体育事业发展方面,将起到不可估量的作用,具有重要的意义和价值。在这样的前提下,我们对中美两国的体育保险行业的发展进行比较研究,就显得尤为重要了。但是保险行业是一个非常复杂的系统,而中国的体育保险的发展尚处于初级阶段,因此限于本人水平,对前人的文献研究爱参考较多,且主要进行的是两国体育保险的宏观对比。本论文主要从不同的几个角度对比分析了美国体育保险的发展现状和我国体育保险的发展现状,目的在于找出我国体育保险发展的不足之处,并对应该如何借鉴和利用美国的先进经验,才能更适合中国体育保险的进一步发展。通过对以上问题的对比研究,能够明确地发现和认识到我国体育保险在发展过程中存在的问题。通过比较和总结,目前我国体育保险发展过程中主要存在的问题有：1、相关的法律体系、国家政策、部门制度尚不够完善,没有专门的体育保险法。2、缺少足够政策支持和财政支持。3、相关保险险种过少,体育保险在保险行业中规模偏小。4、运动员、体育爱好者和其他体育从业人员缺乏足够的体育保险意识,严重制约了体育保险的发展。5、缺乏专业的体育保险从业人员和体育保险人才。6、体育保险缺乏充分商业化、市场化。本文通过研究我国体育保险发展目前所处的阶段和社会环境,利用科学的研究方法,针对所存在的问题提出自己的想法和对策。
[Abstract]:We all know that sports injuries can occur at any time when physical activity is carried out, causing sports injuries to sportsmen, and sports risks are always associated with the process of sports. Vulnerability is the biggest concern people have in participating in sports. China is a competitive sports power with the highest level of competitive sports in the world, but the level of development of sports insurance lags far behind that of developed countries in the West. Therefore, I think, Through the comparative study with the sports insurance of the United States, learn from their advanced experience, find out the gap and deficiency in the development process of sports insurance in our country. To provide ideas for the further development of sports insurance in our country. Only when our own sports insurance develops, can we really broaden the scope of business of the insurance industry and effectively enhance the ability of the entire sports industry to resist risks. In promoting the development of the sports industry and sports cause in China, it will play an inestimable role and has important significance and value. Under this premise, we will make a comparative study on the development of the sports insurance industry in China and the United States. It is especially important. However, the insurance industry is a very complex system, and the development of sports insurance in China is still in its infancy, so it is limited to my own level. This paper mainly analyzes the current situation of sports insurance in the United States and the current situation of sports insurance in China from different angles. The purpose is to find out the deficiency of the development of sports insurance in our country, and how to draw lessons from and make use of the advanced experience of the United States in order to be more suitable for the further development of Chinese sports insurance. Can clearly discover and recognize the problems existing in the development of sports insurance in China. Through comparison and conclusion, the main problems existing in the development of sports insurance in China are: 1: 1, the relevant legal system, national policy, and departmental system are not yet perfect. There is no special sports insurance law. 2. Lack of adequate policy support and financial support. 3. There are too few related insurance types. Sports insurance is on a small scale in the insurance industry. Sports enthusiasts and other sports practitioners lack sufficient awareness of sports insurance, which seriously restricts the development of sports insurance. By studying the stage and social environment of the development of sports insurance in China, this paper puts forward its own ideas and countermeasures in view of the existing problems by using scientific research methods.
【学位授予单位】：西安体育学院
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.6;F847.12

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