浅析保险投保人诚信缺失问题.docVIP

浅析保险投保人诚信缺失问题 内容摘要：近年来，我国保险业飞速发展，但在发展过程中存在一个不容小觑的问题，就是保险诚信缺失问题——保险投保人骗保案件时有发生。这不仅损害保险活动当事人的权益更扰乱了保险市场秩序以及保险业的健康发展。本文从博弈论角度分析个体都会受利益最大化的驱使，存在着失信动机，仅仅依靠道德约束无法起到作用，通过借鉴国外经验，提出构建保险投保人诚信体系的对策，包括：完善个人征信建设、建立严格的监管惩罚制度、建立完善的赔案数据库等，通过制度约束来保证保险需求者的诚实守信。 关键词：保险诚信 征信 失信惩戒 保险赔案数据库 Abstract：Presently,China’s insurance industry is now in the stage of rapid development,but the problem that should not be overlooked is the loss of credibility.The insured fraud causes occur frequently.That is not only damaging the interests of the insurance participants,but also seriously disrupting the normal order of the insurance market,and this will undermine the healthy development of the insurance industry.This paper analyzes everyone is in the pursuit of self-interest maximization and have the motivation of dishonesty from the perspective of game theory and asymmetric information..To enable the insured being honest,ethical constraints alone can not play an effective role.We should imperfect insurance credict system, establish a set of srtrict supervision and publishment system and the claim case database to ensure the honesty and trustworthiness. Key words：insurance credit system 目 录 TOC \o 1-2 \h \u HYPERLINK \l _Toc20791 一、保险诚信的基本概念 PAGEREF _Toc20791 3 HYPERLINK \l _Toc16408 （一）诚信建设已成共同主题 PAGEREF _Toc16408 3 HYPERLINK \l _Toc2409 （二）保险诚信的博弈论研究 PAGEREF _Toc2409 3 HYPERLINK \l _Toc15943 二、投保人诚信缺失现状 PAGEREF _Toc15943 4 HYPERLINK \l _Toc13610 （一）不履行如实告知义务 PAGEREF _Toc13610 4 HYPERLINK \l _Toc30780 （二）先出险、后投保 PAGEREF _Toc30780 5 HYPERLINK \l _Toc16197 （三）通过重复保险骗取保险金 PAGEREF _Toc16197 5 HYPERLINK \l _Toc25373 （四）编造或夸大保险事故、人为制造保险事故的骗保行为 PAGEREF _Toc25373 5 HYPERLINK \l _Toc20393 （五）伪造假证明材料 PAGEREF _Toc20393 6 HYPERLINK \l _Toc30969 三、投保人诚信缺失问题形成的原因 PAGEREF _Toc30969 6 HYPERLINK \l _Toc2718 （一）对保险的认识存在误区 PAGEREF _Toc2718 6 HYPERLINK \l _Toc23969 （二）保险征信体系不健全 PAGEREF _Toc23969 7 HYPERLINK \l _Toc31410 （三）保险诚信管理制度缺失 PAGEREF _Toc31410 8 HYPERLINK \l _Toc5991 四、完善保险投保人诚信体系