我国保险消费者权益保护的研究.doc

我国保险消费者权益保护的研究我国保险消费者权益保护的研究我国保险消费者权益保护的研究摘要保险消费者权益保护是一个重要议题。围绕保险消费者权益保护这一主线,保险消费者的界定是研究的展开，保险交易具有信息不对称、利益对立等特殊性,对保险消费者进行倾斜保护是现实必要的,尤其是我国保险消费者权益保护法律体系、监管模式、纠纷解决机制等方面都存在问题。鉴于此，我们需要综合考量保险消费者权益保护的立法和监管原则，借鉴英、美等国的保险消费者权益保护机制,强化保险消费者权益保护的特殊路径——保险人告知说明义务与冷静期规则等,从保险消费者保护的立法完善和监管机制改进等方面完善我国保险消费者权益保护体系。关键词：保险消费者，权益保护，保险法,保险监管目录一、保险消费者权益及其保护的意义····································3（一）保险消费者权益的内涵·········································3（二）保险消费的特殊性和保险消费者的权利···························3（三)保险消费者权益保护的意义·····································6二、我国保险消费者权益保护进程及其分析·····························7(一）权益保护的立法与监管进程·····································7（二）新《保险法》对保险消费者的保护·······························8（三)保险消费者权益保护存在的主要问题·····························9三、发达国家保险消费者权益保护的分析及借鉴························10（一）保单通俗化和格式化··········································10（二）合理期待原则················································11(三）对保险中介机构的规范········································12四、完善我国保险消费者权益保护的对策······························13(一）保险消费者保护的明确立法····································13(二)解决信息不对称的保险监管····································14(三）逐步向偿付能力监管过渡······································16（四）纠纷处理解决机制的完善······································16五、结语··························································17六、参考文献······················································17我国保险消费者权益保护的研究引言消费者的权益应该得到尊重保护是市场经济的应有之义。随着我国市场经济体制的完善和市场竞争日益激烈，以消费者为中心已经成为市场生存的基本法则.消费者是一个行业和企业持续发展的基础,赢得了消费者就赢得了市场.对保险业这样一个经营和管理风险的特殊行业来说，在当前发展环境和发展阶段，保护好消费者权益具有更加重要的意义.但是伴随着我国保险行业快速发展，保险消费领域“销售误导"、“理赔难”等问题依然突出,退保率一直呈渐增趋势。退保率持续上升的原因之一即是消费者在接受保险服务时受到的侵害引起了社会对保险业普遍抱有不信任的态度。日趋增多的保险消费纠纷削弱了保险业的生存基础—“信用”，严重阻碍了我国保险业的持续发展。而纵观我国现有保险消费者权益的相关研究,往往局限于对保险立法或行政监管某一方面的论述，内容分散、单一，远不能满足目前对保险消费者权益保护的理论需要。而且，我国目前保险消费者保护相关制度建设依然十分滞后。因此,探索构建我国保险消费者权益保护体系，对于保险业的持续有序发展、保险消费者权益的保护、国家法制建设的完善等都有着现实的积极意义.一、保险消费者权益及其保护的意义（一）保险消费者权益的内涵保险消费者权益,是指消费者在购买保险产品及其享受保险服务过程中，应该享有的权利和应该得到的利益。权利和利益是相互依存的。保险消费者权利，是指由法律保护的，消费者在实现其消费目的活动过程中的行为尺度；利益则是消费者通过权利的履行而实现消费需求的满足.很显然，保险消费者权利是实现其利益的手段，而利益的