分红保险销售误导治理

发布时间：2018-07-01 17:20

本文选题：分红保险 + 销售误导　；参考：《辽宁大学》2013年硕士论文

【摘要】：随着我国改革开放程度进一步加深，保险业迅猛发展，分红保险产品作为一类新型保险产品，以其特有的投资和保障功能赢得了广大保险消费者的青睐，然而在分红保险繁荣发展的背后，销售误导问题也不同程度的存在和增加，这也是保险监管机构规范整顿的重点和难点。这个问题如果不能及时有效的得到解决，不仅会削弱保险业的社会地位和诚信度，也将严重的侵害被保险人的合法权益，影响分红保险乃至整个保险业的进一步发展和其在社会中的形象，制约保险经济的发展，同时长此下去势必会影响我国社会主义市场经济发展和社会主义和谐社会的建设。而有效治理分红保险销售误导行为，一方面有利于保障投保人和被保险人的利益，使投保人可以根据自身情况购买最适合自己的分红理财产品，提高客户对保险公司的满意程度和信任度，从而使其在保险合同满期时有及时续保的积极性和主动性，，同时也可以使被保险人享受投资和保障双重保险，在获得保险保障的同时更好的满足其自身的理财需求；另一方面有利于稳定保险公司的业务，减少退保问题特别是集中退保、群体退保等问题的发生，实现分红保险的可持续发展。本文共分为四章，第一章描述了国寿福禄双喜两全保险（分红型）的销售误导案例，该案例虽然只是众多国寿福禄双喜两全保险（分红型）销售误导案例中的一个缩影，但极具代表性，同时也反映出目前保险市场上分红保险的销售误导问题还比较严重。第二章对该案例进行分析，主要分析了分红保险销售误导的表现形式、产生原因，第三章主要阐述分红保险销售误导带来的不良影响及治理销售误导的困境，第四章针对分红保险销售误导产生的原因从保险人、保险监管部门及相关法律法规和社会监督方面提出了系统化治理措施。
[Abstract]:With the deepening of China's reform and opening up and the rapid development of the insurance industry, the bonus insurance products as a new type of insurance products have won the favor of the vast majority of the insurance consumers with their unique investment and security functions. However, behind the prosperity and development of the dividend insurance, the problem of sales misconduct also exists and increases in varying degrees. If the problem is not solved in time and effectively, the insurance regulatory agency will not only weaken the social status and integrity of the insurance industry, but also seriously infringe the legitimate rights and interests of the insured, and affect the further development of the dividend insurance and the whole insurance industry and its image in the society, and restrict the insurance. The development of the economy, at the same time, will certainly affect the development of the socialist market economy and the construction of a socialist harmonious society. The effective governance of the misleading behavior of the sale of red insurance is beneficial to the protection of the interests of the insured and the insured, so that the insured can buy the most suitable dividends for themselves according to their own circumstances. The product, improve the satisfaction degree and trust degree of the customer to the insurance company, so that it has the enthusiasm and initiative in timely renewal when the insurance contract is full, at the same time, it can also make the insured enjoy investment and guarantee double insurance, while obtaining insurance guarantee, it can better meet its own financial needs; on the other hand, it is beneficial to stability. Setting up the business of insurance companies, reducing the problem of surrender, especially centralized surrender, group surrender and other issues, and achieving the sustainable development of bonus insurance.
This article is divided into four chapters. The first chapter describes the case of misleading sales of the double happy double insurance (dividend type). This case is the epitome of the misleading case of a large number of national life Fu and Lu double happiness insurance (dividend type), but it is very representative and reflects the problem of misleading sales in the current insurance market. The second chapter is an analysis of the case, mainly analyzing the forms of the misleading sales of the dividend insurance and the causes. The third chapter mainly expounds the adverse effects caused by the misleading of the dividend insurance sales and the dilemma of managing the misleading sales. The fourth chapter is about the reasons for the misleading of the sale of the red insurance sales from the insurer and the insurance supervision department. The door and related laws and regulations and social supervision put forward systematic measures.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.4

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