毕业论文（设计）中国保险业诚信问题研究.docVIP

中国保险业诚信问题研究 Research on trust in insurance industry of China 摘要 进入21世纪我国社会主义市场经济建设中的诚信问题显得格外突出。社会各层都非常关注诚信问题，专家们从各个角度分析失信的原因以及如何建立诚信机制。市场经济是信用经济，稳定可靠的社会信用体系是市场经济有效运行的重要基础条件。保险业作为市场经济的有机构成部分，其赖以生存的条件就是诚信，诚信是保险业的立业之本，是其发展最根本的生命线。如何正确认识和了解诚信问题，对于保险公司的发展来说，是具有极为重要的意义的。本文从诚信含义入手,了解不诚信的现状,以及不诚信的成因,以当前我国保险市场诚信缺失的大背景和现象为切入点，分析我国诚信缺失的主要原因，从保险行业协会建设和保险公司自身建设几个方面来探讨加强诚信建设的一般途径。最后建立一个诚信评级体系，减少保险交易中交易成本和信息不对称的额外成本。目的旨在寻求治理不诚信的措施,以重拾保险业诚信体系。 关键词：保险业，诚信，建设，体系，治理 Research on trust in insurance industry of China Abstract In twenty-first Century the construction of credibility problem of socialist market economy in our country is particularly prominent. Each layer of the society are very concerned about the integrity problem, experts from various point of view of the dishonesty of the causes and how to establish credit mechanism. Market economy is credit economy, stable social credit system is an important foundation for the effective operation of market economy. How to correctly understand and know the good faith question, for the development of insurance company, has extremely important significance. This paper starts from the meaning of integrity, not good understanding, and causes no integrity, to the current our country insurance market lack of honesty and the background of the phenomenon as the breakthrough point, analysis of the main reasons for the lack of credit in China, from the aspect of building insurance industry associations and insurance companies to strengthen their construction of several general ways of honesty construction. Finally, the establishment of a credit rating system, reduce cost of insurance transactions in the transaction cost and information asymmetry. Objective to seek treatment dishonest measures, in order to restore the integrity of the insurance industry system. Keywords: system of insurance industry, construction, management, good faith 第一章绪论 本章是对全文研究的引导和介绍，主要对本文的研究背景、研究意义、研究方法、研究内容、研究的创新点及不足进行了说明和规划，以便于理清本文研究的思路，促进本