我国艺术品保险市场研究

发布时间：2018-01-12 14:44

本文关键词：我国艺术品保险市场研究　出处：《首都经济贸易大学》2014年硕士论文　论文类型：学位论文

【摘要】：2011年中国艺术品市场交易总额超越美国成为世界第一。在艺术品市场交出这份可喜成绩的同时，艺术品保险却尴尬缺位。相关数据显示，艺术品收藏面临很多风险，民间收藏家由于保管不慎导致的艺术品损失的案例比比皆是。收藏者对保险的需求得天独厚。同时，国家有关部门也意识到保险对于艺术品的重要意义，接连发文推进保险业支持文化产业的发展。艺术品保险呼之欲出。然而，在人保、平安、太平洋陆续试水艺术品保险之后，市场对于其所推出的产品保持谨慎观望态度。艺术品保险市场也没有迎来预想之中的蓬勃发展迹象。首先，本文界定了可保艺术品的概念。可保艺术品由可保利益原则发展而来，同时结合艺术品本身属性，应具有权属清晰性、价值性、和唯一性。同时对艺术品保险市场，按照需求不同进行了细分。分为了私人收藏、企业收藏、国家收藏和展馆暂时陈列收藏。该分类可为以后的研究提供参考。同时，本文阐述了为何艺术品保险采用定值保险形式，以及定值保险在实务中的优缺点。本文还从产品角度，将中外艺术品保险在承包范围、保险责任、除外责任、理赔方式几个方面进行了简要的比较。对比过程中发现，我国艺术品保险主要沿用了传统财产险、货运险的相关条款规定，显然这种简单的套用是很不合理的。产品的设计与开发应该具有一定的创新，，在这方面安盛私人艺术品保险合同给我们提供了参考。本文在附录中翻译了部分安盛私人艺术品保险条款，作为未来市场产品优化升级的参考。纵观艺术品保险发展历程，从新险种的推出到市场完全接受需要10-20年的时间。我国艺术品保险起步已有7年，仍面临着诸多发展问题：保险公司的相关服务缺失，导致了除损失补偿功能以外的其他功能无法发挥；艺术品市场赝品横行、缺乏独立的估值鉴定机构，导致承保阶段，无法核实艺术品的实际价值；我国文物修复人才匮乏，受损后的艺术品不能得到修复服务；私人投保艺术品保险存在较高的道德风险，如何对私人风险进行控制成为困扰保险人的一个难题；博物馆主要依靠财政收入，没有营业结余，无力购买艺术品保险。本文在最后给出了相关建议：发展艺术品保险需要国家立法完善、保险公司发展配套服务、艺术品市场提供独立的鉴定估值服务、收藏界提高保险意识等。
[Abstract]:China's art market overtook the United States to become the world's number one deal in 2011. While the art market turned in this gratifying achievement, art insurance was left behind, the figures show. Art collection faces a lot of risks, folk collectors due to improper custody of the art caused by the loss of cases abound. Collectors have a unique demand for insurance. At the same time. The relevant departments of the state also realize the importance of insurance to the art, and successively issue papers to promote the insurance industry to support the development of the cultural industry. Art insurance is ready to emerge. However, in PICC, Ping an. After the Pacific trial of art insurance, the market remained cautious about its products. The art insurance market also showed no signs of a boom as expected. First of all, this paper defines the concept of insurable works of art. Insurable works of art developed from the principle of insurable interests, at the same time, combined with the nature of art itself, should have the right of clarity, value. And uniqueness. At the same time, the art insurance market, according to the different needs of the subdivision. Divided into private collections, corporate collections. The classification can be used as a reference for future research. At the same time, this paper expounds why art insurance adopts the form of fixed value insurance, and the merits and demerits of fixed value insurance in practice. This article also from the product point of view, the Chinese and foreign art insurance in the contract scope, insurance liability, excluding liability, the way claims are briefly compared. The art insurance of our country mainly uses the traditional property insurance, the freight insurance related clause stipulation, obviously this kind of simple application is very unreasonable. The product design and the development should have the certain innovation. In this respect, the AXA private art insurance contract provides us with a reference. In the appendix, this paper translated some of the AXA private art insurance clauses as a reference for the future market product optimization and upgrading. Throughout the development of art insurance, from the introduction of new insurance to the full acceptance of the market will take 10-20 years. China's art insurance has started for 7 years. Still facing many development problems: the lack of related services of the insurance company, resulting in the loss of compensation other than the function of the function can not play; The fakes in the art market are rampant and lack of independent valuation appraisal institutions, which leads to the failure to verify the actual value of the works of art in the underwriting stage. Our country cultural relic repair talented person is scarce, after the damage works of art cannot obtain the restoration service; There is a high moral hazard in private art insurance, so how to control the private risk has become a difficult problem for the insurer. Museums mainly rely on revenue, no operating balance, unable to buy art insurance. At the end of this paper, some suggestions are given: the development of art insurance needs the perfection of national legislation, the development of supporting services by insurance companies, the provision of independent appraisal and valuation services by the art market, and the raising of insurance awareness among collectors.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842;J124

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