我国保险业诚信问题研究.doc

摘要：诚信是一切道德的基础和根本，是一切制度和规范得以确立和运作的基础，是整个社会赖以生存和发展的基础。伴随着新兴产业的腾飞、高新科技的发展、世界全球一体化进程的加快,中国保险行业面临良好机遇和广阔前景。但在中国保险业不断发展的同时,也承受着保险业产生诚信缺失的巨大压力。文章通过对中国保险行业的现状和存在诚信问题的分析,指出了规范的社会信用体系、完善的法律法规、有效的保险诚信教育管理以及保险公司内部合理的运行机制是有效改善我国保险行业诚信问题的建议与措施。

关键词： 保险业  诚信问题  社会信用  保险教育管理  诚信法律法规

Abstract: Credibility, as the basics of all morals, the foundation and operation of all systems as well as the dependence of the society which can make it survive and develop. With the booming of rising industry and high technology, the globalization is accelerating its degrees, China Insurance Industry is faced with good opportunities and broad outlook. While, at the same time, China Insurance Industry is confronted with enormous pressures came from the deficiency of credibility. Through the analysis of present situation of Insurance Industry and issues about credibility, the article gives its suggestion on standardized social credit system, perfect laws, efficient insurance credit educational management as well as pointing out internal operational system is the available way to solve the deficiency of Insurance Industry.

Keywords: Insurance；Honest questions；Social Credit；Insurance education management； Integrity laws and regulations

　　为了营造良好的社会环境，新《保险法》加大突出了诚信原则的核心问题，以“最大诚信”作为行业发展的基本原则，很据最大诚信原则的要求，保险双方在签订和履行保险合同的同时，必须保持最大限度的诚意，双方都应恪守信用，互不欺骗和隐瞒。保险行业在优化资产配置,化解投资运作风险,保障社会稳定,促进经济发展的过程中，暴露出来一些问题，如我国信用法规制度滞后、保险诚信管理缺失、保险营销机制欠完善；以及从业人员素质较低、投保人对法律法规不了解、代理人为了自身利益夸大保险分红等。本文将从规范社会信用管理体系、完善保险业法律法规建设；加强保险行业诚信教育管理、合理改进保险公司目前的运行机制；加强完善当前保险市场监制，对保险市场主体的资信状况进行科学、准确的信用风险评级；营造良好诚信环境，普及保险人对相关保险业规范的熟知度这几方面进行论述。