我国保险企业的社会责任研究

发布时间：2019-05-25 04:32

【摘要】：当前，随着自然、社会环境的变化与人类财富的日益增长和集中，灾害事件对社会经济的冲击愈发显著。在这种背景下，作为社会稳定器的保险企业，如何通过社会责任的承担以抚平灾害事件对社会经济的冲击，是摆在理论和现实面前的重要问题。保险是通过社会互助机制提供专业化的风险管理而形成的经营模式，是在市场经济条件下风险管理的基本手段。随着社会的不断进步，保险业的功能也在社会经济稳定中发挥着越来越多的作用，在创建社会主义和谐社会中起着至关重要的作用。保险业在补偿、资金融通和社会管理等方面的功能使得保险业承担着更加特殊的责任，国家赋予其的使命也更加重大。本文以我国金融保险业的不断发展为背景，分析探讨了我国保险企业的社会责任问题。首先，对我国保险企业的社会责任进行论述；其次，，对我国保险企业社会责任缺失的现状进行分析并找出原因所在；再次，参照美国和日本保险企业承担社会责任的案例，并结合我国保险企业的实际情况寻找差距、查找问题；最后，研究促进我国保险企业履行社会责任的具体措施和方法。保险业作为我国国民经济的重要组成部分之一，承担着经济补偿、社会管理与资金融通的重大责任，在时下我国努力创建社会主义和谐社会的关键时期，我国保险企业的社会责任问题已成为众多官员、学者的重要讨论话题，目的就是为我国保险企业今后如何履行社会责任确立努力的方向、提供真正的理论指导，就是从履行社会责任的角度为保险企业提升经济社会地位、树立良好社会形象、得到社会尊重、应对市场竞争、谋求科学发展提供一定的决策参考并进一步丰富我国关于企业社会责任的理论。总之，保险企业的社会责任问题不仅是当前理论研究需要关注的重要课题，更是我国经济社会发展中的亟待解决的现实问题。
[Abstract]:At present, with the change of nature and social environment and the increasing and concentration of human wealth, the impact of disaster events on social economy is becoming more and more obvious. In this context, as a social stabilizer, how to heal the impact of disaster events on social economy through the undertaking of social responsibility is an important issue in front of theory and reality. Insurance is a business model formed by providing professional risk management through social mutual assistance mechanism, and it is the basic means of risk management under the condition of market economy. With the continuous progress of society, the function of insurance industry is also playing a more and more role in social and economic stability, and plays a vital role in the establishment of a harmonious socialist society. The functions of insurance industry in compensation, financing and social management make the insurance industry bear more special responsibilities, and the mission entrusted to it by the state is also more important. Based on the continuous development of financial and insurance industry in China, this paper analyzes and discusses the social responsibility of insurance enterprises in China. First of all, the social responsibility of insurance enterprises in China is discussed. Secondly, the current situation of the lack of social responsibility of insurance enterprises in China is analyzed and the reasons are found out. Thirdly, referring to the cases of social responsibility of insurance enterprises in the United States and Japan, and combining with the actual situation of insurance enterprises in China, to find out the gap and find out the problems; finally, to study the specific measures and methods to promote the performance of social responsibility by insurance enterprises in China. As one of the important components of our national economy, the insurance industry bears the great responsibility of economic compensation, social management and financing. At present, our country strives to create a harmonious socialist society. The problem of social responsibility of insurance enterprises in our country has become an important topic of discussion among many officials. The purpose of this paper is to establish the direction of efforts and provide real theoretical guidance for Chinese insurance enterprises to fulfill their social responsibility in the future. That is, to enhance the economic and social status of insurance enterprises, establish a good social image, gain social respect, and deal with market competition from the perspective of fulfilling social responsibility. Seek scientific development to provide certain decision-making reference and further enrich the theory of corporate social responsibility in our country. In a word, the social responsibility of insurance enterprises is not only an important topic to be paid attention to in the current theoretical research, but also a practical problem to be solved urgently in the economic and social development of our country.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3;F270

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