我国保险消费者权益保护法律制度研究

发布时间：2018-04-19 23:09

本文选题：保险消费者 + 权益保护　；参考：《西南财经大学》2013年硕士论文

【摘要】：近年来,保险行业的快速蓬勃发展以及人们对于消费需求的逐步提升,保险产品,已经渐渐融入到人们生活的各个角落,成为居民日常消费的重要组成部分。我们不能孤立片面的看待这一发展趋势,它与传统人们看得见、摸得着的有形商品相比而言,保险行业具有一定的专业性,表现在产品的专业性,服务方式的专业性、合同条文的专业性、概念的专业性。在保险这种专业性很强的背景下,保险消费者很难全面清楚的了解保险服务内容和范围,以及合同理赔的程序。这种专业性使得保险消费者相比保险公司天然的处于弱势和不利地位。在这种弱势背景之下,投保人、被保险人、受益人等保险消费者相比一般消费者而言,法律并没有给予特殊的保护,并向消费者权益保护法中的普通消费者身份转化。但是在现行保险法律法规的调整下,在实际的保险司法实践中,处理保险纠纷案件很少有按照消费者权益保护法的条文为依据来进行判决,更多的是按照保险法律法规中关于保险消费者的规定来进行判决,这就导致身份的特殊性和权益保护相脱节。保险法虽然已经数次修订,我国现有的《保险法》已经趋于完善,各方面的规定已经日益详尽,但却忽略了投保人、被保险人和受益人最本质的身份仍旧还是消费者。因此,笔者认为有必要回归保险消费者的消费者身份,并在此基础之上构建出与之相对应的保险消费者权益保护法律体系。让保险消费者除了享受《保险法》的权利之外,还在《消费者权益保护法》、《合同法》等法律中都受到相应的保护和救济,为我国保险消费者提供一个全方位、深层次、多系统、强而有力有效的保护。本文从保险消费者的概念与理论基础,我国保险消费者权益保护现状,英美两国关于保险消费者权益保护的情况,我国保险消费者权益保护体系的路径和方法四个方面进行了阐述,最后得出结论,我们应该从更高的法律层面上进行规制,另一方面,我们也应当进一步巩固加强即有的监管,“双管齐下”从立法与监管两个角度,构建起一套行之有效的保险消费者权益保护制度体系,实现保险消费者利益保护与保险机构持续发展的双赢。
[Abstract]:In recent years, the rapid and vigorous development of the insurance industry and the gradual promotion of people's consumption demand, insurance products have gradually merged into every corner of the people's life and become an important part of the daily consumption of the residents. We can not look at this trend of development in isolation and in a one-sided view. It is visible to the traditional people and can touch the tangible merchants. In comparison, the insurance industry has a certain professionalism, which is characterized by the professionalism of the product, the professionalism of the service mode, the professionalism of the contract provisions and the professionalism of the concept. Under the strong background of the insurance, it is difficult for the insurance consumers to understand the content and scope of the insurance service and the procedure of the contract claims. In this disadvantaged background, the insured, the insured, the beneficiary and other insurance consumers have not given special protection to the general consumer in this disadvantaged background, and the general consumer identity in the law of consumer rights and interests is transformed. Under the adjustment of the current insurance laws and regulations, in the actual practice of insurance judicature, there are few cases in dealing with insurance disputes in accordance with the provisions of the protection law of the consumer rights and interests, and more in accordance with the stipulations of the insurance consumers in the insurance laws and regulations, which leads to the particularity of the identity and the rights and interests of the insurance. Although the insurance law has been disjointed, the insurance law has been revised several times, and the existing insurance law has been perfected in our country, and the provisions in all aspects have become more detailed, but the insured, the insured and the beneficiary are still the most essential consumers. Therefore, I think it is necessary to return to the consumer identity of the insured and the basis for this basis. On the basis of the basis, the legal system of the protection of the rights and interests of insurance consumers is constructed. In addition to enjoying the rights of the insurance law, the insurance consumers are also protected and remedied in the law of the protection of consumer rights and interests, and the law of the contract. It provides a comprehensive, deep, multi system, and strong system for the insurance consumers of our country. Effective protection.
From the concept and theoretical basis of the insurance consumers, the status of the protection of the rights and interests of the insurance consumers in China, the situation of the protection of the rights and interests of the insurance consumers in the United States and the United States, the path and methods of the protection system of the rights and interests of the insurance consumers in our country are expounded in four aspects. Finally, the conclusion is drawn that we should regulate it from a higher legal level. On the other hand, we should further consolidate the strengthening of the supervision. From the two angles of legislation and supervision, we should build an effective system to protect the rights and interests of the insurance consumers, and realize the win-win of the protection of the interests of the insurance consumers and the sustainable development of the insurance institutions.

【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D923.8;D922.284

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