我国优秀运动员保险制度改革研究

发布时间：2018-04-27 17:32

本文选题：保险制度 + 优秀运动员　；参考：《北京体育大学》2014年博士论文

【摘要】：在竞技体育运动中,优秀运动员保险是运动员有效转移风险,减少损失的重要途径,它不仅能够有效维护运动员的利益,而且能够促进我国竞技体育的可持续发展,因此对优秀运动员保险的研究具有重要的理论意义和现实意义。依据保险学理论,保险包括三部分:一是由政府经办的社会保险;二是由专门的保险公司按商业原则经营的商业保险;三是由被保险人集资合办,体现自保互助精神的合作保险。改革前的计划经济体制下,我国仅在社会保险中对运动员的保障有所体现。改革后,伴随着我国社会经济和竞技体育的快速发展,运动员保险问题得到政府部门和社会各界的高度重视和广泛关注。本文运用文献资料、比较分析、专家访谈和数理统计等研究方法,对我国优秀运动员保险问题进行了较为深入的研究,得出如下结论:1.从总体看,我国优秀运动员保险存在的主要问题是:优秀运动员保险市场尚未建立,保险中介发展滞后;优秀运动员保险产品研发和创新不足;现行的体育管理体制制约运动员商业保险市场的发展;相关法律法规亟待完善等。2.就优秀运动员伤残互助保险而言,数理分析结果表明:低等级赔付在整体赔付中占主导:项目不同,风险不同,赔付人次和金额也不同。3.我国优秀运动员商业保险有效需求不足,但潜在需求较大。优秀运动员商业保险有效供给不足,但存在较大提升空间。根据上述研究,本文提出如下建议:1.借鉴体育发达国家的经验,随着社会经济文化不断发展,政府职能不断转变和体育管理体制改革,最大限度发挥市场机制的作用,增强优秀运动员商业保险的意识。2.进行体育管理体制和优秀运动员保险制度改革,使市场在体育资源配置中起到决定作用,构建以商业保险为主体、社会保险为基础、互助保险为补充,保险经纪人为中介的优秀运动员保险体系。3.对运动员社会保险制度改革进行顶层设计和制度整体优化。通过有效落实运动员社会保险关系转移接续,逐步实现运动员社会保险的全国统筹,扩大优秀运动员参保的覆盖面。4.通过多方筹集保险基金、修订和完善赔付标准、适度提高缴费标准、增加非奥运会项目投保、建立专业自保公司等改革措施,坚持并完善优秀运动员伤残互助保险制度。5.进行顶层设计,推进现行体育管理体制的改革和优秀运动员商业保险的发展。政府出台政策支持产品的研发创新,实施强制保险,建立专业体育保险公司。
[Abstract]:In competitive sports, the insurance of elite athletes is an important way for athletes to effectively transfer risks and reduce losses. It can not only effectively safeguard the interests of athletes, but also promote the sustainable development of competitive sports in China. Therefore, the study of elite athletes insurance has important theoretical and practical significance. According to the theory of insurance, insurance includes three parts: first, social insurance run by the government; second, commercial insurance operated by special insurance companies in accordance with commercial principles; third, joint financing by the insured, Cooperative insurance that embodies the spirit of self-insurance and mutual assistance. Under the planned economy system before reform, our country only embodies the safeguard of athletes in social insurance. After the reform, with the rapid development of social economy and competitive sports in China, the issue of athlete insurance has been highly valued and widely concerned by government departments and all walks of life. By using the methods of literature, comparative analysis, expert interview and mathematical statistics, this paper makes a deep research on the insurance problem of elite athletes in China, and draws the following conclusions: 1. On the whole, the main problems in the insurance of elite athletes in China are as follows: the insurance market of outstanding athletes has not been established, the development of insurance intermediary is lagging behind, the research and development and innovation of insurance products of excellent athletes are insufficient; The current sports management system restricts the development of athletes' commercial insurance market, and the relevant laws and regulations need to be improved. As far as the disability mutual insurance of elite athletes is concerned, the results of mathematical analysis show that the low grade compensation plays a dominant role in the overall compensation: different items, different risks, different paytimes and different amounts of compensation. Our country outstanding athlete commercial insurance effective demand is insufficient, but the potential demand is big. Outstanding athlete commercial insurance supply is insufficient, but there is great room for improvement. Based on the above study, this paper puts forward the following suggestions: 1. With the continuous development of social economy and culture, the government function is changing constantly and the sports management system is reformed, the function of the market mechanism is brought into full play, and the consciousness of commercial insurance of elite athletes is strengthened by drawing lessons from the experience of the sports developed countries. To reform the sports management system and the insurance system of elite athletes, to make the market play a decisive role in the allocation of sports resources, to construct a system based on commercial insurance, social insurance as the basis, mutual insurance as a supplement, Insurance broker as the intermediary of the excellent athletes insurance system. To the athlete social insurance system reform carries on the top-level design and the system overall optimization. Through the effective implementation of the transfer of athletes' social insurance relationship, the national overall planning of athletes' social insurance should be gradually realized, and the coverage of elite athletes' participating in the insurance should be expanded. Through raising insurance fund, revising and perfecting compensation standard, raising payment standard moderately, increasing insurance coverage for non-Olympic items, establishing professional self-insurance company, etc., we should persist in and perfect the mutual insurance system of elite athletes' disability and disability. Carry out top-level design to promote the reform of current sports management system and the development of commercial insurance for outstanding athletes. The government has issued policies to support product development and innovation, implement compulsory insurance, and establish professional sports insurance companies.
【学位授予单位】：北京体育大学
【学位级别】：博士
【学位授予年份】：2014
【分类号】：F842.6;G812.3

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