我国保险行业协会问责问题研究

发布时间：2018-05-26 04:34

本文选题：非营利组织 + 保险行业协会　；参考：《北京邮电大学》2017年硕士论文

【摘要】：保险行业是国家金融行业的重要支柱、在巩固执政基础、参与社会治理、分散社会风险、解决社会矛盾、缓解政府压力、保障社会安定等方面发挥了越来越重要的作用。随着我国社会主义市场经济体制的日臻完善,政府改革的日趋深化,保险行业协会承担了政府和市场不愿或不能提供的部分服务,在推进保险行业持续快速健康发展、构建公平合理的市场经营秩序、维护会员单位正当利益、保护保险消费者合法权益、推进保险行业体制变革和制度创新等方面的作用将会越来越突出。目前,国内外理论界普遍认为非营利组织在公共治理中的角色日益重要,其吸纳资金支持的能力逐步增强,其践行使命的期望越来越高、其问责的呼声越来越强。问责成为非营利组织公信力提升的有效途径。我国保险行业协会属于非营利组织,和我国的现有其他非营利组织类似,存在着问责主体没有充分行使问责权利、问责客体与责任承担者模糊混淆、问责内容实然和应然状态差距较大、问责程序无法彰显公平正义的价值等诸多问题,原因在于问责文化相对落后、问责法律制度缺失、问责执行力度不强,阻碍了其“自律、维权、服务、交流、宣传”职能的发挥。为此,保险行业协会要实现问责法制化、推进问责机制建设,完善内部治理、增强自我问责能力,平衡利益相关者、提升外部问责水平。完善保险行业协会问责有利于进一步提升协会活力、增强协会公信力,推进中国保险事业持续快速健康发展。
[Abstract]:The insurance industry is an important pillar of the national financial industry, which plays an increasingly important role in consolidating the ruling foundation, participating in social governance, dispersing social risks, resolving social contradictions, alleviating government pressure, and ensuring social stability. With the improvement of our socialist market economy system and the deepening of government reform, insurance industry associations have undertaken some services that the government and the market are unwilling or unable to provide, and are promoting the sustained, rapid and healthy development of the insurance industry. The functions of constructing fair and reasonable market management order, safeguarding the legitimate interests of member units, protecting the legitimate rights and interests of insurance consumers, promoting the reform of the insurance industry system and system innovation will be more and more prominent. At present, the theorists at home and abroad generally think that the role of non-profit organizations in public governance is becoming increasingly important, its ability to absorb capital support is gradually enhanced, its expectations of carrying out its mission are higher and higher, and its voice of accountability is becoming stronger and stronger. Accountability has become an effective way to enhance the credibility of non-profit organizations. The insurance industry association of our country belongs to the non-profit organization, and similar to other non-profit organizations in our country, there exists the accountability subject who does not fully exercise the right of accountability, and the object of accountability is confused with the duty bearers. There is a big gap between the content of accountability and due state, and the process of accountability can not reveal the value of fairness and justice. The reason is that the culture of accountability is relatively backward, the legal system of accountability is missing, and the enforcement of accountability is not strong, which hinders its "self-discipline". Rights protection, service, communication, propaganda "function play." Therefore, insurance industry associations should realize accountability legalization, promote the construction of accountability mechanism, improve internal governance, enhance self-accountability ability, balance stakeholders and enhance external accountability level. Improving the accountability of insurance industry associations is conducive to further enhancing its vitality, enhancing its credibility and promoting the sustained, rapid and healthy development of China's insurance industry.
【学位授予单位】：北京邮电大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842

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