我国保险业信用体系建设.docVIP

摘要 关键词保险诚信，保险发展，诚信教育，制度体系 AbstractIntegrity, is the ancient and modern Chinese and foreign general social ethics, but also the survival of modern insurance industry based insurance credit system, to understand the integrity of important roles in the development of modern society, the ritual wisdom together constitute the important content of the traditional morality of western culture .and the following specific measures should be adopted: grasping the opportunity of social credit system construction, to lay a good foundation for the insurance credit system construction; To strengthen the construction of insurance credit legal system, which guarantees insurance credit system construction; Build system of insurance integrity management, create conditions for the insurance credit system construction; Reform the insurance company management system, to give impetus to insurance credit system construction; Improve the insurance marketing mechanism, add vitality to insurance credit system construction. Keywords: insurance integrity, development, the good faith education, system 目 录 1 引言 1 2 保险业诚信建设现状 1 2.1保险公司的不诚信 1 2.2保险代理人的不诚信 2 2.3投保人的不诚信…………………………………………………………………………..3 3 保险业诚信问题存在的原因 3 3.1制度缺陷 3 3.2信息的不对称………………………………………………………………………….....4 4 加强保险业诚信建设的措施 5 4.1进一步加强保险诚信教育……………………………………………………………….6 4.2把握社会信用体系建设契机，为保险业诚信体系建设奠定基础..............................6 4.3加强保险信用法制建设，为保险业诚信体系建设提供保障.....................................6 4.4建立健全保险诚信相关法律制度体系…………………………………………………..6 4.5改革保险公司经营管理体制，为保险业诚信体系建设注入动力……………………完善保险营销机制，为保险业诚信体系建设增添活力………………………………5 总结..........................................................................................................................9参考文献 10 致 谢 11 1 引言 保险业，作为现代金融体系的重要组成部分，更是以“最大诚信”为基本原则，对诚信的要求远高于其他行业。可以说，诚信是保险业的立业之本，是保险业的生命线。现阶段如何解决保险业发展水平与国民经济和社会发展的需求不相适应的矛盾，促进我国保险业持续健康快速发展，是我国保险业亟待解决的问题。而如何树立良好的行业形象，又是诸项工作的重中之重。 由于保险业经营的特殊性，使得诚信对于保险业来说十分重要。我国保险业的诚信问题一直以来都引起专家学者的普遍关注，诚信问题关系着我国保险业的健康发展。诚信问题的存在有其原因，因此需要分析其存在的原因，进而找出完善我国