我国保险消费者权益受侵害成因及保护对策研究

发布时间：2018-06-03 07:22

本文选题：保险消费者 + 权益　；参考：《暨南大学》2014年硕士论文

【摘要】：随着我国国门的逐步开放以及经济的发展，，人们的需求从简单经济层面的满足逐步上升到精神层面，例如被尊重的权利。本文从日常工作经验出发，结合经济理论，提出了所处保险行业中消费者权益保护问题。本研究首先明确对保险消费者权益的定义，从较高的增长数据分析了我国保险消费者权益受侵害的现状。其次，分别从保险监管角度、保险公司、保险消费者三大主体探讨了我国保险消费者权益受侵害原因。认为，目前我国关于保险消费者保护的立法和规章制度对保护保险消费者权益起到积极的作用，但仍存在着不足之处；保险公司因其经营意识及内在机制的原因，很大程度上成了侵害保险消费者权益的实施主体；少数保险消费者在消费过程中也缺乏正确的保险意识，导致保险公司矫枉过正，从而伤害其他更多消费者的权益，例如设定产品合同时不公平的定位。因此，要改善我国保险消费者权益保护，需要各主体转变意识，发挥配套机制的先行引导及保护作用。
[Abstract]:With the gradual opening of our country's doors and the development of economy, people's needs gradually rise from simple economic level to spiritual level, such as the right to be respected. Based on the daily work experience and economic theory, this paper puts forward the protection of consumer's rights and interests in the insurance industry. Firstly, the definition of insurance consumers' rights and interests is defined, and the current situation of insurance consumers' rights and interests in China is analyzed from the higher growth data. Secondly, from the angle of insurance supervision, insurance company and insurance consumer, this paper discusses the reason why the insurance consumer's rights and interests are infringed. It is believed that the current legislation and regulations on the protection of insurance consumers in China play a positive role in protecting the rights and interests of insurance consumers, but there are still some shortcomings. To a large extent, it has become the main body that infringes the rights and interests of insurance consumers. A few insurance consumers also lack the correct insurance consciousness in the process of consumption, which leads to overcorrection by insurance companies, thereby harming the rights and interests of more consumers. For example, setting a product contract when unfairly positioning. Therefore, in order to improve the protection of the rights and interests of insurance consumers in China, it is necessary to change the consciousness of the main bodies and give play to the leading and protective role of the supporting mechanism.
【学位授予单位】：暨南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.284;F842

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