我国农村小额人身保险法律制度研究

发布时间：2018-02-22 04:22

本文关键词： 农村小额人身保险专门法规监管制度财政政策纠纷处理机制　出处：《广东财经大学》2015年硕士论文　论文类型：学位论文

【摘要】：作为一种小额保险,农村小额人身保险具有双重特征:一方面,它扮演着为低收入人群服务的角色;另一方面,它与国家社会保障制度体系建设相辅相成,并起着重要作用。目前,我国农村小额人身保险发展迅速,规模不断壮大,并且越来越多的市场主体和个人参与进来,但也出现一系列的问题。然而,我国目前并没有专门的农村小额人身保险法律来对其进行规制,这是一个重大缺陷。因此本文立足于我国实际情况,从法律角度提出问题和分析问题,并提出相关完善建议。本文的主要结构如下:第一部分是农村小额人身保险法律制度的一般原理,主要阐释农村小额人身保险的含义及其意义。第二部分是我国发展农村小额人身保险法律制度的必要性和可行性。第三部分主要分析我国农村小额人身保险法律制度的立法现状及其存在的问题,主要阐述了我国缺少专门法律规范、完整的监管制度、健全的农村小额人身保险配套性法律规定和高效的纠纷处理机制。第四部分是国外发展农村小额人身保险法律制度的经验和评价,分别介绍了印度、日本和菲律宾三个国家的法律制度。第五部分是完善农村小额人身保险法律制度,分别从建立专门法律制度、完善监管制度、健全农村小额人身保险配套性法律规定和建立高效纠纷处理机制四个方面阐述如何完善。完成本文写作的主要方法有对比、理论分析、实践分析和跨学科分析等方法,对农村小额人身保险的一般原理和我国该项法律制度的现状和存在问题进行研究,在借鉴外国经验的基础上提出了完善建议,期待我国专门的农村小额人身保险法的尽早出台。
[Abstract]:As a kind of micro-insurance, rural micro-life insurance has two characteristics: on the one hand, it plays the role of serving low-income people; on the other hand, it complements the construction of national social security system. And plays an important role. At present, the rural small personal insurance in our country is developing rapidly, the scale is growing, and more and more market main bodies and individuals participate in it, but there are also a series of problems. At present, there is no special rural small personal insurance law to regulate it, which is a major defect. Therefore, based on the actual situation of our country, this paper puts forward the problem and analyzes the problem from the legal point of view. The main structure of this paper is as follows: the first part is the general principles of the rural small personal insurance legal system. The second part is the necessity and feasibility of developing the legal system of rural small personal insurance. The third part mainly analyzes the rural small personal insurance law. The current legislative situation of the system and its existing problems, Mainly elaborated our country lacks the specialized legal norm, the complete supervision system, Sound rural small personal insurance supporting legal provisions and efficient dispute handling mechanism. Part 4th is the experience and evaluation of foreign countries in developing the rural small personal insurance legal system, respectively introducing India, The legal systems of three countries, Japan and the Philippines. 5th part is to perfect the legal system of rural micro-personal insurance, respectively from the establishment of a special legal system, to improve the supervision system. Perfecting the supporting laws and regulations of rural small personal insurance and establishing an efficient dispute handling mechanism. The main methods to complete the writing of this paper are as follows: contrast, theoretical analysis, practical analysis and interdisciplinary analysis, etc. This paper studies the general principle of rural small personal insurance and the present situation and existing problems of this legal system in our country, and puts forward some perfect suggestions on the basis of drawing lessons from foreign experience, and looks forward to the introduction of the special rural small personal insurance law as soon as possible.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.284

【相似文献】