论我国强制巨灾保险法律制度的构建

发布时间：2018-05-11 22:36

本文选题：强制巨灾保险 + 模式选择　；参考：《宁波大学》2014年硕士论文

【摘要】：我国保险监督管理委员会曾经于06年时开始《关于建立和完善巨灾保险制度的工作方案》的起草工作,旨在提出建立巨灾保险制度的计划方案,但是该方案的实施却一直被搁浅。直到2008年,当我国发生汶川地震和南方重大雨雪灾害之后,我国关于加快巨灾保险法律制度的呼声才日渐增高。而后,保监会主席项俊波于2012年冬公开表示,我国巨灾保险体系要加快进程,且要建立适合我国的体系。巨灾保险制度,在许多国家不仅理论而且实践上都已经很成熟,我国的理论研究也有了一些成果。本文以此为背景,整理总结自己对我国建立强制巨灾保险法律制度的构建设想,希望能够对今后该制度的建立起到一定作用。全文分三部分进行论证,切入点为制度模式之选择。本文第一部分主要是写我国应当选择何种巨灾保险之模式。通过对国际上现存的三种模式进行比较,得出强制巨灾保险的优势所在,并对我国采取强制巨灾保险模式的现实需要和现实基础进行论证。本文第二部分主要是写我国应当遵循哪些强制指导原则来建立强制符合我国国情的巨灾保险制度。我国已经建立了几类强制保险,通过对其总结及对保险原则的结合,详细论述适合我国强制巨灾保险之指导原则。本文的第三部分主要是写我国强制巨灾保险法律关系之构成要素。该部分从我国强制巨灾保险法律关系的主体、客体和内容上对我国巨灾保险的承保、投保和权利义务分配等问题进行构建,从而明晰我国应当如何展开巨灾保险制度的构建工作。本文的切入点为强制模式,通过论证我国适合建立强制型巨灾保险法律制度开始说明,并更为详细的论述我国强制巨灾保险法律制度的法律关系应当作何构建。考虑到我国的国情,反观我国在过去对于巨灾的救助实践,未来对该法律制度的建立必然存在很大困难。但是,笔者相信我国既然已经在建立多种强制保险和社会保险领域作出了可喜成果,在强制巨灾保险这一法律制度的构建上必然能够起到借鉴作用,该制度的建立必然是大势所趋。
[Abstract]:In 2006, China's Insurance Supervision and Administration Commission began the drafting of the "work Plan on establishing and perfecting the catastrophe Insurance system" in order to put forward a plan for the establishment of a catastrophe insurance system. But the implementation of the program has been stranded. Until 2008, after the Wenchuan earthquake and the heavy rain and snow disaster in southern China, the voice of speeding up the legal system of catastrophe insurance in our country increased day by day. Then Xiang Junbo, chairman of the CIRC, said publicly in the winter of 2012 that China's catastrophe insurance system should speed up the process and establish a system suitable for our country. Catastrophe insurance system in many countries not only in theory but also in practice has been very mature, our theoretical research has also made some achievements. Based on this background, this paper summarizes my assumption of establishing a legal system of compulsory catastrophe insurance in China, hoping to play a certain role in the establishment of this system in the future. The thesis is divided into three parts, and the starting point is the choice of system mode. The first part of this paper is mainly about which catastrophe insurance mode China should choose. Through the comparison of the three existing models in the world, the advantages of compulsory catastrophe insurance are obtained, and the practical needs and practical basis of adopting the compulsory catastrophe insurance mode in China are demonstrated. The second part of this paper is mainly about which compulsory guiding principles should be followed to establish the compulsory catastrophe insurance system in accordance with the situation of our country. Several kinds of compulsory insurance have been established in our country. Through summing up them and combining the insurance principles, the guiding principles suitable for China's compulsory catastrophe insurance are discussed in detail. The third part of this paper is mainly about the elements of the legal relationship of compulsory catastrophe insurance in China. This part constructs the subject, object and content of the legal relationship of compulsory catastrophe insurance in China. In order to clarify how our country should carry out the construction of catastrophe insurance system. The starting point of this paper is the compulsory mode, through the demonstration that our country is suitable to establish the compulsory catastrophe insurance legal system, and discusses in more detail how the legal relationship of our country compulsory catastrophe insurance legal system should be constructed. Considering the situation of our country, it is inevitable that the establishment of this legal system will be very difficult in the future. However, the author believes that since China has already made gratifying achievements in the field of establishing a variety of compulsory insurance and social insurance, it will certainly be able to play a reference role in the construction of the legal system of compulsory catastrophe insurance. The establishment of the system is bound to be the trend of the times.
【学位授予单位】：宁波大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.6

【共引文献】