我国责任保险区域发展非均衡问题研究

发布时间：2018-06-10 12:08

本文选题：责任保险 + 区域不平衡　；参考：《河北大学》2017年硕士论文

【摘要】：我国经济发展进入新常态,当前还处于各类矛盾的凸显期,医患纠纷、环境污染、食品安全、校园安全等都对传统的社会治理方式提出了挑战。仅仅依靠政府和法律制度难以对社会发展中各方面矛盾进行引导与化解,矛盾的积累对人民生活乃至社会稳定都有巨大负面影响。而在推进政府职能转变和提高社会治理水平的过程中,责任保险可以发挥重要作用。本文首先对责任保险相关概念进行概述,并从责任保险的保费收入、赔付支出、保险深度、保险密度及各财险公司责任保险业务收入、中外资财险公司责任险业务占比等角度分析了全国责任险发展现状,从整体上把握了我国责任险发展。同时,本文从省域和三大区域(东、中、西部)的视角分析了不同地区责任险在保费收入、赔付支出、保险深度、保险密度等方面存在的差异,并构造责任保险发展指数LIDI对不同区域责任险发展进行评价,根据2015年各省LIDI指数排序将我国31各省分为高、中、低水平组。通过分析我国责任保险发展的影响因素,分别对高、中、低三组样本运用面板数据进行影响因素分析,得出不同影响因素对不同地区责任保险的差异化影响,并提出通过加强与政府合作、增加强制保险的责任险种类、加快健全相关法律法规步伐、扩大低水平组省份保险业的对外开放、优化中等水平组省份产业结构、稳定物价水平等措施进一步完善责任保险发展环境,通过提高居民收入水平、提升地区教育水平、加强责任保险宣传、提高企业与公众风险意识等激发责任保险潜在需求,保险公司也要通过强化市场细分、提升差异化服务水平、增加可保风险的多样性、构建专业风险评估体系、提升责任保险从业人员专业素养等方面提高责任保险供给水平,提升保险公司服务水平。
[Abstract]:The economic development of our country enters the new normal, at present is still in all kinds of contradiction prominent period, the doctor-patient dispute, the environment pollution, the food safety, the campus safety and so on all put forward the challenge to the traditional social management way. It is difficult to guide and resolve the contradictions in social development by relying on the government and legal system alone. The accumulation of contradictions has a great negative impact on people's life and even social stability. In the process of promoting the transformation of government functions and improving the level of social governance, liability insurance can play an important role. This paper first summarizes the related concepts of liability insurance, and from the liability insurance premium income, payment expenses, insurance depth, insurance density and property insurance company liability insurance business income, This paper analyzes the present situation of the development of liability insurance in China from the perspective of the proportion of liability insurance business in Chinese and foreign property insurance companies, and grasps the development of liability insurance in China as a whole. At the same time, from the angle of province and three big regions (east, middle and west), this paper analyzes the differences in premium income, indemnity expenditure, insurance depth, insurance density and so on. The development index of liability insurance is constructed to evaluate the development of liability insurance in different regions. According to the ranking of Lidi index in 2015, 31 provinces in China are divided into high, middle and low level groups. Through the analysis of the influencing factors of the development of liability insurance in China, the influence factors of the three groups of samples, high, middle and low, are analyzed using panel data, and the differential influence of different influencing factors on the liability insurance in different regions is obtained. And through strengthening cooperation with the government, increasing the types of compulsory insurance liability insurance, speeding up the pace of improving the relevant laws and regulations, expanding the opening up of the insurance industry of the lower-level provinces, optimizing the industrial structure of the mid-level provinces, Measures such as stabilizing price levels and other measures to further improve the development environment of liability insurance, stimulate the potential demand for liability insurance by raising the level of residents' income, raising the level of local education, strengthening the publicity of liability insurance, raising the risk awareness of enterprises and the public, etc. Insurance companies should also enhance the supply level of liability insurance by strengthening market segmentation, improving the level of differentiated services, increasing the diversity of insurable risks, establishing a professional risk assessment system, and enhancing the professional quality of liability insurance practitioners. Upgrade the service level of insurance companies.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.69

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