浅析保险信访成因中的传统文化与制度设计因素.pdfVIP

第 28 卷第1 期 保险职业学院学报(现月刊} VoL 28 No.1 2014 年 2 月 JOURNAL OF INSURANCE PROFESSIONAL COLLEGE( Bimonthly) Feb. 2014 浅析保险信访成因中的传统文化与制度设计因素 汪演元 (中国保险监督管理委员会广东监管局，广东广州 51侃∞) [摘 要] 通过对保险行业信访现象成因进行传统文化与制度设计分析，可以合理地看待和分析保险信访产生的缘 由，可以理顺保险信访中的复杂关系;可以为解决社会不稳定因素提供借鉴。保险信访者的认知状况、心理需求和传统文 化观念是决定其进行行为评估和选择的主观因素;保险信访者的文化程度、经济收入和社会地位等客观条件又制约着选择 行为和认知心理;保险信访的制度设计及司法渠道的制度偏向又加大了信访者选择的倾向性。 [关键词] 保险信访;拒诉亲访;制度倾向 [中固分类号]ω31. 3 [文献标识码]A [文章编号] 1673-13ω(2014)01 -∞74 -04 [Abstr回tJ By analyzing the traditional culture and system designing in the causes of petition letters and visits in insurance industry , we can discuss and analyze the reasons of petition letters and visits in insurance in- dustry in a rational way and so民 out the complicated relationships in the petition letters and visits ，回描 to pro- vide reference for the resolve of the social unstable factor百. The petitioners cognition , psychological demand and traditional cultural concepts are the subjective factors affecting their assessment and selection of their deeds. And the objective conditions such as their education , economic income and social status will restrain their choice of deeds and mental cognition. 咀le system designing of insurance petition letters and visits as well as judicial chan- nels will increase the petitionerstendentiousness of choice. [Key words ] Insurance petition letters and visits; Personal appeal instead of legal proceedings; System tendentiousness 保险行业的信访投诉作为信访现象的一种存 一、社会背景因素 在形式，近年来逐渐成为保险消费者解决矛盾纠纷 的一种选择路径。北京大学法学院苏力教授曾说 (一)保险市场不断发展 到一种制度得以长期且普遍地坚持，必定有其 一一保费规模不断提升。十一五期间，保 存在的理由，即具有语境化的合理性;因此首先应