关于火车人身意外强制险的研究.docVIP

PAGE \* MERGEFORMAT3 大学生科研创新项目研究报告 项目名称： 关于火车人身意外强制险的研究 项目类型： 一般项目 项目年度： 2011年 项目负责人： 蒋静含（学号：32009113121） 负责人院（系）： 金融学院 专业（方向）： 保险 项目组成员： 张程语、孙巧巧、魏坤蕊、张洁冰 指导教师： 殷德（讲师） 教务处 制 二〇一二年 摘要 近年来，由于火车事故频发，事故的处理赔偿工作受到各方关注，随着人们保险意识的不断提高，越来越多的人开始关注到火车保险的问题。2011年7月23日，杭深线永嘉至温州南间，北京南至福州D301次列车与杭州至福州南D3115次列车发生追尾事故，造成39人死亡，192人受伤。事故对每名乘客的最终赔偿为91.5万，包括死亡赔偿金、丧葬费、精神抚慰费和一次性救助金，但并未提及车票中本就含有的“铁路旅客人身意外伤害强制保险”的赔偿情况。 我们通过对铁路人身意外伤害强制保险的发展历史过程的了解，对其存在的问题进行多方面分析，通过对航空意外伤害保险的借鉴以及与现实经济环境的结合，建议火车强制保险分两个过程转变为商业保险：转型阶段，商业保险阶段。并就这两阶段的运营方式提出了建设性意见。 关键词：铁路强制保险、旅客意外伤害、商业保险、转型 Abstract In recent years, the increased frequency of train accidents raised public concern over compensation. As people’s Consciousness of insurance improved, more and more people begin to pay attention to the railway insurance. There was a fatal high-speed train collision in July 23, 2011. At least 39 people died and 192 others were injured in Saturdays high-speed train crash near the city of Wenzhou in east Zhejiang Province. Finally, the families of the deceased were paid 915000 Yuan each in compensation, which is composed of death compensation, funeral expense, mental injury solatium and one-time grant in aid. But the “railway passengers life accident compulsory Insurance”, which is contained in the train tickets, was not be discussed. According to working on the history of the railway insurance, we analyzed the problems of it. Considering the difficulties in reality, we have arrived at a solution by drawing lesson from the development of aviation accident insurance. We propose to change the “railway passengers life accident compulsory Insurance” into a commercial insurance model. The transformation should be separated to 2 parts: transitional period and commercial insurance period. In addition, we offered some constructive suggestions to both periods to make the transformation possible. Key words：Railway compulsory insurance、Passenger Accident、commercial insurance、transformation 目 录 TOC \o 1-3 \h \z \u H