我国人身保险销售的道德风险研究

发布时间：2018-07-29 13:32

【摘要】：自从1982年恢复以来,中国人身保险业一直保持着迅猛的增长势头,中国国内人身保险业务保费收入从1982年的159万元增长到2010年的10632亿元,年均增长率为61.38%,成为国民经济发展最快的行业之一。但在蓬勃发展的背后存在着隐忧：随着个人代理和银行代理两种重要销售渠道的迅速扩张,人身保险销售的道德风险也日渐暴露,成为近年来倍受关注的重要风险之一。它不仅是保险消费者投诉的热点,也是近几年来中国保监会整顿和规范保险市场的重点。据笔者了解,以往的研究重点多在保险消费者的道德风险方面,对保险公司及保险销售人员的道德风险进行的研究不多。因此,本文将有重点地研究我国人身保险销售的道德风险问题。何为道德风险?人身保险销售中存在哪些道德风险?表现形式如何?有哪些特点和成因?笔者带着这些问题,尝试用学术的方法来解决实务的问题。本文介绍了道德风险的理论,阐述了我国人身保险业经营和销售的特点,分析了目前我国人身保险销售的道德风险现状、表现形式及特点,对我国人身保险销售道德风险的成因进行了初步的探讨,重点提出销售误导是业内普遍存在的道德风险、保险公司对银行的商业贿赂是近年来新兴的具代表性的道德风险这一观点,为我国人身保险销售的道德风险研究提供了新的视角。在文章的最后部分,笔者基于上述分析并结合实务,从五个方面提出了具体的防范措施和建议,包括树立风险意识、加强内控制度、改进现行代理制度、加强销售渠道建设、借助IT新技术等,这些措施和建议具有较强的可操作性,笔者也希望借此推动我国人身保险业健康、有序地发展。
[Abstract]:Since its recovery in 1982, China's personal insurance industry has maintained a rapid growth momentum. The premium income of China's domestic personal insurance business has increased from 1.59 million yuan in 1982 to 1.0632 trillion yuan in 2010. The average annual growth rate is 61.38, becoming one of the fastest-growing industries in the national economy. But behind the vigorous development, there are hidden worries: with the rapid expansion of two important sales channels, personal agent and bank agent, the moral hazard of personal insurance sales has been exposed day by day, which has become one of the important risks that have attracted much attention in recent years. It is not only the hot spot of consumer insurance complaints, but also the focus of the CIRC to rectify and standardize the insurance market in recent years. According to my understanding, the previous research focuses on the moral hazard of insurance consumers, and the research on the moral hazard of insurance companies and insurance salespeople is not much. Therefore, this paper will focus on the issue of moral hazard of personal insurance sales in China. What is moral hazard? What are the moral risks in personal insurance sales? What is the form of expression? What are the characteristics and causes? With these problems, the author tries to solve the practical problems with academic methods. This paper introduces the theory of moral hazard, expounds the characteristics of management and sale of personal insurance in China, and analyzes the present situation, forms and characteristics of moral hazard of personal insurance sales in China. This paper makes a preliminary discussion on the causes of moral hazard of personal insurance sales in our country, and points out that misdirection of sales is a common moral hazard in the industry. The view that commercial bribery of banks by insurance companies is a representative moral hazard in recent years provides a new perspective for the study of moral hazard of personal insurance sales in China. In the last part of the article, based on the above analysis and the practice, the author puts forward the concrete preventive measures and suggestions from five aspects, including establishing the risk consciousness, strengthening the internal control system, improving the current agency system, and strengthening the sales channel construction. With the help of new IT technology, these measures and suggestions have strong maneuverability. The author also hopes to promote the healthy and orderly development of China's personal insurance industry.
【学位授予单位】：华东理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842

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