我国“机动车交通事故责任强制保险”经营模式问题研究

发布时间：2018-05-24 05:48

本文选题：机动车交通事故责任强制保险 + 经营模式　；参考：《首都经济贸易大学》2013年硕士论文

【摘要】：我国自2006年7月1日起开始正式实施机动车交通事故责任强制保险（以下简称“交强险”）制度，但自交强险经营以来，除了2008年实现经营利润外，其他年度均出现亏损，且亏损幅度呈扩大之势，5年半来累计亏损已经达到173亿元。交强险经营出现亏损是由诸多原因造成的，究其根源，可以说我国交强险经营模式的不合理是一个重要原因。目前国际上主流的第三者责任强制保险（以下简称“强制险”）经营模式主要有三种：第一种是以美国为代表的商业化运作模式，第二种是以台湾和日本为代表的国家代办模式，第三种是以新西兰为代表的国家专营模式。这三种经营模式各有利弊，适用条件也是各不相同。而我国目前的交强险经营模式是介于第一种和第二种之间的一种特殊的经营模式，从交强险在我国诞生之日起便以一种畸形的形态展现于世人面前，这最终导致了后续的诸多问题。而如何解决这些问题，，如何为我国选择一种正确的交强险经营模式，这正是本文将要详细介绍的。本文的内容框架主要包括5部分。第一章内容是文章的导言部分。主要论述了研究背景、选题意义、研究内容和研究方法。从第二章开始至文章结尾部分是本文的主体内容。第二章主要对国际上几种主流的强制险经营模式进行了剖析与对比，探讨了几个典型国家强制险经营的成功经验，分析了这几种经营模式的优略所在，并研究了这几种经营模式各自的适用环境。第三章主要介绍了我国目前的交强险经营模式，简要介绍了我国目前交强险的运作情况，分析了我国交强险经营模式的不合理所在。第四章主要提出了改善我国交强险经营模式的政策建议。第五章对整个文章结构进行一个总结。总之，通过本文，笔者希望能够为我国交强险经营模式的问题解决方面作出些许贡献。
[Abstract]:Since July 1, 2006, China has formally implemented the system of compulsory insurance for motor vehicle traffic accident liability (hereinafter referred to as "traffic insurance"), but since the operation of traffic insurance, except for the realization of operating profits in 2008, there have been losses in other years. And the extent of the loss is expanding, the cumulative loss of five and a half years has reached 17.3 billion yuan. The loss of traffic insurance is caused by many reasons. It can be said that the unreasonable operation mode of traffic insurance is an important reason. At present, there are three main business models of compulsory third party liability insurance (hereinafter referred to as "compulsory insurance") in the world: the first is the commercial operation model represented by the United States. The second is the national agency model represented by Taiwan and Japan, and the third is the national monopoly model represented by New Zealand. These three business models have their advantages and disadvantages, and the applicable conditions are different. At present, China's traffic insurance management model is a special business model between the first and the second. From the date of its birth in China, it has been displayed in a deformed form in front of the world. This eventually led to a number of subsequent problems. How to solve these problems and how to choose a correct traffic insurance management model for our country is exactly what this article will introduce in detail. The content frame of this paper mainly includes five parts. The first chapter is the introduction of the article. This paper mainly discusses the research background, the significance of the topic, research content and research methods. From the beginning of the second chapter to the end of the article is the main content of this article. In the second chapter, the author analyzes and compares the several mainstream management modes of compulsory insurance in the world, discusses the successful experiences of several typical countries, and analyzes the advantages and disadvantages of these management models. This paper also studies the applicable environment of these business models. The third chapter mainly introduces our country's current traffic insurance management mode, briefly introduces the operation of our country's current traffic insurance, and analyzes the unreasonable place of our country's traffic strong insurance management mode. The fourth chapter mainly puts forward the policy suggestions to improve the management mode of traffic insurance in China. The fifth chapter summarizes the whole structure of the article. In a word, through this paper, I hope to make some contributions to the problem solving of our country's traffic insurance business model.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.63

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