寿险营销员误导保险消费问题研究

发布时间：2018-06-16 09:51

本文选题：寿险营销员 + 消费误导　；参考：《西南财经大学》2013年硕士论文

【摘要】：根据“十二五”期间保险中介市场发展与监管研究报告指出,截止2010年底,我国共有保险营销员3297786人,2010年全年实现保费收入4682.08亿元,占总保费收入的42.6%；实现业务收入568.96亿元,占总业务收入的58.6%。庞大的保险营销员队伍在带来巨额保费收入的同时也暗藏隐患,集中体现在保险营销员违规操作损害保险消费者利益方面。自2006年4月《保险营销员管理规定》出台以来,短短几年间保监会先后颁布众多规范保险中介市场特别是营销员的法规、政策制度。并下发《关于做好保险消费者权益保护工作的通知》,出台涉及保险消费者权益保护方面的有关文件、规章240余项,共有16个保监局设立了消费者权益保护处(或科),明确了专门的岗位和人员。2013年新年伊始,保监会主席项俊波在全国保险监管工作会议上强调在过去的基础上进一步加大消费者权益保护工作力度,致力于彻底治理保险营销员误导保险消费这一阻碍我国保险业健康、可持续发展的毒瘤,以切实维护广大保险消费者合法权益。本文以寿险营销员制度理论及寿险消费的特殊性为出发点,在综合整理保险消费误导具体表象、成因、影响的基础上,结合大量中外文献探索提出关于防范我国寿险营销员误导保险消费的思路及政策措施。具体内容和主要观点陈述如下。绪论部分,阐述本文研究目的意义、国内外研究现状、研究的思路、结构及方法等。第一部分,营销员概述。参照2006年保监会颁布的《保险营销员管理规定》中关于保险营销员的阐述,在结合我国保险市场实际的基础上,明确目前我国保险营销员与个人保险代理人内涵及外延一致,作为本文整篇文章对保险营销员的界定。在回顾我国保险营销员制度发展历程的基础上,总结营销员制度对保险业发展的意义。第二部分,寿险消费理论基础。首先综合考量定义保险消费和保险消费者,明确保险消费保护立法及执法前提；其次从消费品、交易结算方式及消费结果方面,分析保险消费的特殊性；再次从保险的估值方式、保费的缴纳方式、业务性质功能、保险责任期限等方面比较,认真总结寿险消费特点；最后指出因保险市场固有的信息不对称、附和合同、合同条款专业性强及寿险合同履约期限长等特点,使保险消费特别是寿险消费对法律保护具有更高层次的要求。第三部分,寿险消费误导及其影响分析。本文试图对寿险消费误导全面分析,指出保险产品不当销售、与金融产品概念混淆、故意回避保险产品重要信息、肆意夸大保险产品收益、同业诋毁为其主要表现形式；接着透析保险消费误导现象源自寿险消费者、寿险营销员、保险公司、法律及监管四方面的成因；最后总结寿险消费误导对保险消费者、保险公司乃至我国保险行业的不良影响。第四部分,营销员制度的国际比较及启示。本部分重点从营销员的组织形式、从业资格的获取及再教育培训和监管方面认真总结国外及其他地区经验,以期通过国际经验的启示、借鉴引发思考我国的不足,从中吸取精髓,构建治理对策。第五部分,防范寿险营销员误导保险消费的思路及对策。本部分根据保监会最新会议精神以及近期出台的相关政策、部门规章等规范性文件,同时结合我国保险实践,在就防范寿险营销员误导保险消费问题,从微观保险消费双方主体、中观保险行业层面以及宏观法律制度三方面,多角度、全方位提出治理的对策、思路及措施。以为对有效防范寿险营销员误导保险消费的政策制定提供一定的理论基础和借鉴意义。
[Abstract]:According to the research report on the development and supervision of insurance intermediary market during the 12th Five - Year Plan period , the total income of the insurance salesman in our country is 3,777,86 by the end of 2010 , and the annual premium income in 2010 is 468.08 billion yuan , accounting for 42.6 % of the total premium income ;
Since April , 2006 , the CIRC has promulgated numerous laws and regulations concerning the protection of consumer rights and interests .

Based on the theory of life insurance salesman system and the particularity of life insurance consumption , this paper puts forward the thinking and policy measures to guard against misleading insurance consumption of life insurance salesman in China .

In the preface , this paper expounds the significance of the study , the current situation of research at home and abroad , the thinking , structure and method of the research .

The first part , the salesman ' s overview . With reference to the insurance salesman ' s statement issued by the Insurance Regulatory Commission in 2006 , on the basis of the practice of the insurance market in China , it is clear that the connotation and extension of the insurance salesman and personal insurance agent in our country are consistent , as the definition of the whole article to the insurance salesman . On the basis of reviewing the development course of the insurance salesman system in our country , the significance of the system of the salesman to the development of insurance industry is summarized .

The second part , on the basis of the theory of life insurance consumption , firstly considers the definition of insurance consumption and insurance consumers , and makes clear the legislation of insurance consumption protection and the premise of law enforcement ;
Secondly , the particularity of insurance consumption is analyzed from the aspects of consumer goods , transaction settlement and consumption results .
Thirdly , compare the valuation way of insurance , the way of payment of premium , the function of business property , the period of insurance responsibility and so on , summarize the characteristics of life insurance ;
Finally , it points out that the insurance consumption , especially life insurance consumption , has a higher level requirement for legal protection because of the characteristics of the information asymmetry , the attached contract , the contract terms and the duration of the life insurance contract .

The third part , the misleading of life insurance consumption and its influence analysis . In this paper , we try to mislead the whole analysis of life insurance consumption , point out that the insurance products are improperly sold , confused with the concept of financial products , deliberately avoid the important information of insurance products , overstate the benefits of insurance products and denigrate the same industry as its main manifestations ;
Then , the misleading phenomenon of dialysis insurance is derived from the causes of life insurance consumer , life insurance salesman , insurance company , law and supervision .
Finally , summarize the negative effects of life insurance consumption on insurance consumers , insurance companies and the insurance industry in China .

The fourth part , the international comparison of the salesman system and the enlightenment . This part focuses on the organization form of the salesman , the acquisition of the qualification and the training and supervision of re - education , so as to summarize the experience of foreign countries and other regions .

The fifth part is to prevent life insurance salesman from misleading insurance consumption thinking and countermeasure . According to the latest meeting spirit of the CIRC and relevant policies , department rules and other normative documents issued recently , in combination with the insurance practice of our country , in the light of the insurance practice of our country , in order to prevent life insurance salesman from misleading insurance consumption problem , from the micro insurance consumer both the main body , the meso - view insurance industry level and the macro - legal system three aspects , multi - angle , all - round put forward the management countermeasure , thought and measure .
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.3

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