保险公司营利性研究

发布时间：2018-06-24 15:56

本文选题：营利性 + 保险公司　；参考：《吉林大学》2011年硕士论文

【摘要】：本文的核心思想是：保险公司设立的目的是通过经济补偿和社会保障维护社会安定。也就是说,保险公司必须承担相应的社会责任,并且与普通公司相比,其所承担的社会责任是真正意义上的社会责任,因而保险公司具有准公益性；但是承担社会责任或准公益性质并不影响其经济组织的营利性本质,因此不应给保险公司增加超企业形态的法律负担,尤其是在保险经营领域,法律应该赋予其应有的商业自由空间；在现阶段,我国保险行业处于发展初期,相关法律制度不够健全和完善,对于保险行业及其主体保险公司行为和营利性进行约束,即使可能存在弊端,也必须要有政府的引导和监督。同时还要通过法律手段维护保险公司利益相关人的法律权益。本文的研究领域是“保险业法”,将保险公司作为行业性主体予以整体考虑,因而兼有对公司法相关内容的论述,在强调保险公司与政府、社会和大众之间的关系的同时,对提高保险公司营利性的主要商法制度进行研究。本文的主要内容包括：保险公司虽然承担社会经济补偿职能,但其设立形态、经营方式包括营利性本质必须符合公司组织形式的一般规律；保险公司经营项目和结果涉及重大社会经济利益,政府绝对有必要通过设定必要的行业准入、退出门槛和特殊经营规则对其经营和行为进行监督；保险公司的准公益性质与其营利性并不矛盾,公益性仅限制营利行为的社会伦理性；社会责任是现代企业的共性约束,这是由公司组织形式的筹资方式和营利途径所决定的,保险公司也不例外；保险公司要依法经营,但政府、社会不能强迫其违背公司本质进行经营；我国保险公司目前存在片面追求利润的非理性行为,表现在受挫后资本缩水和利润率大幅下降,损失较大,需以法律规范对保险公司的内部管控和实际行为进行规范。研究思路：本文共分为五部分,第一部分从现代公司营利性入手,对公司营利性概念及其商法学本质进行讨论,进而将行为目的的营利预期视为公司营利性本质所在；第二部分首先针对保险公司营利性进行论述,指出营利性也是保险公司的根本目的之一,同时对保险公司的社会责任进行了必要阐述,将保险公司的营利性与社会责任予以统一；以上两部分内容从本质上说是对保险公司营利性商法价值层面的描述,下面的三个部分在上述价值层面基础上对保险公司营利能力的有关法律制度问题进行研究,第三部分首先介绍我国保险公司营利方式的历史演变过程,进而讨论并分析出商法制度的原因和问题的实质；第四部分对上一部分所提出的问题进行细化和整理,提出我国保险公司目前在提高营利能力方面的三个基本问题,并通过国内外有关法律规制情况的介绍对之进行初步讨论；第五部分是本文的核心能容,即对上文提出的我国保险公司营利性的有关制度商法制度规定进行检讨,并提出完善意见；结论部分对本文的核心思想进行精要总结。创新与不足：本文的创新之处在于将保险公司营利性的研究视角从保险公司运营的外部经济环境转换到保险公司自身内控制度的完善方面,从价值层面和制度层面对其进行综合研究；本文的不足之处在于研究资料主要为理论文献,加之数量有限,作者本身缺乏实践知识,难免存在疏漏和不足。
[Abstract]:The core idea of this article is that the purpose of the insurance company is to maintain social stability through economic compensation and social security. In other words, the insurance company must bear the corresponding social responsibility, and compared with the ordinary company, the social responsibility it bears is the real social responsibility, so the insurance company has the quasi public welfare; It is the nature that the social responsibility or the quasi public welfare does not affect the profit nature of its economic organization, so it should not increase the legal burden of the superenterprise form to the insurance company, especially in the field of insurance operation. The law should give it the commercial free space due to it. At the present stage, the insurance industry in our country is in the early development and the relevant legal system. If it is not perfect and perfect, it is necessary to guide and supervise the insurance industry and its main insurance companies, even if there may be disadvantages, and the legal rights and interests of the stakeholders of the insurance companies should also be maintained by legal means.
The research field of this article is "insurance law", which takes the insurance company as the main body of the industry as a whole, and therefore discusses the related contents of the company law. It emphasizes the relationship between the insurance company and the government, the society and the public, and studies the main commercial law system to improve the profit of the insurance company.
The main contents of this article include: Although the insurance company assumes the social and economic compensation function, the form of its establishment, the mode of operation, including the nature of profit making must conform to the general rules of the organizational form of the company; the insurance company's management projects and results involve major social and economic benefits, and the government absolutely must set the necessary industry access, The exit threshold and special management rules supervise their operation and behavior; the quality of the quasi public welfare of the insurance company is not contradictory to the profit, and the public welfare only limits the social ethics of the profit making; the social responsibility is the common constraint of the modern enterprise, which is determined by the way of financing and the profit way of the organization form of the company. The company is no exception; the insurance company should operate according to law, but the government, the society can not force it to run against the nature of the company; the insurance companies in our country have a one-sided irrational pursuit of profit, which shows a sharp decline in capital and a large loss in profit after frustration, and the internal control and control of the insurance company should be regulated by law. The actual behavior is standardized.
Research ideas: This article is divided into five parts. The first part, starting with the profit of modern company, discusses the concept of profit making and the essence of business law, and then regards the profit expectation of the purpose as the essence of the profit of the company. The second part is first to discuss the profit of the insurance company, and point out that the profit is also insurance. One of the fundamental purposes of the company is to elaborate on the social responsibility of the insurance company and unify the profit and social responsibility of the insurance company. The above two parts are essentially a description of the value level of the for-profit commercial law of the insurance company. The following three parts are on the basis of the above value level to the insurance public. The third part first introduces the historical evolution process of the means of profit making in China's insurance companies, and then discusses and analyzes the reasons and the essence of the business law system. The fourth part fines and collate the problems raised in the last part, and puts forward that the insurance company of our country is at present at the present time To improve the three basic problems of profit - making ability, and to make a preliminary discussion through the introduction of relevant laws and regulations at home and abroad; the fifth part is the core capacity of this article, that is, to check the regulations of the institutional commercial law system on the profit of the insurance company of our country, and put forward perfect opinions. The core ideas of the article are summarized.
Innovation and deficiency: the innovation of this paper is to transform the research perspective of the profit of insurance companies from the external economic environment of the insurance company to the perfection of the insurance company's own internal control, and to carry out a comprehensive study from the value level and the system level. The shortage of this paper is that the research materials are mainly theoretical literature, In addition, the number of authors is limited, and the author lacks practical knowledge.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：D922.284

【参考文献】