论中国保险业公信力的铸造.pdfVIP

Research on the Construction of the public credibility in China’s insurance industry Research on the Construction of the public credibility in China’s insurance industry WANG Xujin Insurance Department, Beijing Technology and Business University, Beijing, China, 100048 Abstract: The public credibility will put far-reaching impact on china’s insurance industry. This paper has made a beneficial discussion on the meaning and characteristics of the public credibility in china’s insurance industry, simultaneously, it also discusses how to construct the public credibility of insurance industry. The paper is divided into three parts: part I discusses the meaning of public credibility from the aspects of insurance basic functions and business process; part Ⅱdiscusses the basic characteristics of the public credibility in china’s insurance industry; part III puts forward some recommendations on how to construct the public credibility in china’s insurance industry, including the system construction, technology development, organization construction, personnel training and mechanism design. Keywords: the public credibility of insurance industry, construction 保险公信力对中国保险业的发展影响深 公信力的体现。 远。如何理解保险公信力的含义与特征,其实 从保险环节来说，从展业、承保、再保 现路径如何，本文据此作以下探讨。 险、防灾防损、理赔，再到资金运用各经营 一、保险业公信力的内涵 环节。在这些环节中集中体现的诚信展业、 公信力是使公众信任的力量，也可以说 及时按约理赔和保险经营效益的提高。 是公众对某一个行业信任的力度。源于英文 从承保效益而言，尽管紧近年我国保险 词 Accountability ，意指为某一件事进行报告、 经营效益有较大提高，但相对来说，还有很 解释和辩护的责任；为自己的行为负责任， 大改善空间。例如，与 2006 年比较，2008 并接受质询。到目前为止最主要的是用到政 年产险业的综合成本率为 106.7%，比 2006 府部门、司法部门比较多。但就此用做公众 年的 102.7%上升了一些，简单赔付率从