相互保險在我國發(fā)展問題研究
發(fā)布時間：2018-12-17 06:02
【摘要】：相互保險組織是具有互助合作性質(zhì)的特殊保險組織形式。我國允許和鼓勵發(fā)展相互保險組織形式,不僅豐富了保險行業(yè)的組織形式,而且充分滿足了不同層面保險消費者的保險保障需求,對于活躍和擴展保險市場有著重要意義。本文的研究包括了以下幾部分:第一部分以相互保險組織的定義和特征為基礎(chǔ),對相互保險組織進行分類并分析其優(yōu)勢。發(fā)現(xiàn)相互保險組織的兩種形式——相互保險公司和相互社在治理結(jié)構(gòu)、組織規(guī)模、經(jīng)營范圍、經(jīng)營模式等方面都有較大的不同。第二部分是研究相互保險公司和相互社的發(fā)展歷程,得出有利于我國發(fā)展相互保險的寶貴經(jīng)驗。在保險市場發(fā)展的初級階段,市場不成熟、消費者的保險意識較弱、保險公司經(jīng)營管理技術(shù)不夠先進,相互保險公司是培育保險市場的有效手段,因而出現(xiàn)了相互化現(xiàn)象;當(dāng)保險市場在全球化的背景下發(fā)展,相互保險公司在與股份保險公司激烈競爭時,由于其增資融資難、不易擴大規(guī)模、經(jīng)營保守的先天缺陷導(dǎo)致非相互化的現(xiàn)象;即便如此,相互保險公司依舊能夠占據(jù)全球保險市場27%的份額,并且越來越趨于利基市場。尤其是金融危機之后,相互保險公司的低杠桿優(yōu)勢更被突顯出來,引發(fā)了新的再相互化趨勢。同時,相互保險社小而精,能在一定的領(lǐng)域內(nèi)發(fā)揮出較強的作用,在農(nóng)村地區(qū)能更充分地發(fā)揮保險互助共濟的社會效應(yīng)。第三部分是研究我國相互保險的發(fā)展現(xiàn)狀和存在的問題。以陽光農(nóng)業(yè)相互保險公司和慈溪市龍山鎮(zhèn)伏龍農(nóng)村保險互助社為例,分別歸納總結(jié)相互保險公司和相互保險社在我國的發(fā)展現(xiàn)狀和面臨的問題,主要問題是資金來源有限,運用渠道單一和制度不夠完善。同時,也對當(dāng)下出現(xiàn)較多的互聯(lián)網(wǎng)互助平臺,以抗癌公社和E互助為例進行研究,認為互助平臺屬于“類相互”,并非相互保險組織的形式,在其發(fā)展過程中也存在監(jiān)管、可持續(xù)經(jīng)營、風(fēng)險控制等問題。第四部分,針對以上總結(jié)出的相互保險發(fā)展存在的問題,提出相應(yīng)的政策建議。對于相互保險公司的發(fā)展,提出拓寬資金來源渠道和有效加強監(jiān)管。對于相互社而言,提出積極培育公眾互助合作意識、加強人才隊伍建設(shè)和構(gòu)建多層次的相互保險體系。同時,要積極應(yīng)對“互聯(lián)網(wǎng)+”的影響。
[Abstract]:Mutual insurance organization is a special form of insurance organization with the nature of mutual assistance and cooperation. China allows and encourages the development of mutual insurance organization, which not only enriches the organization of insurance industry, but also fully meets the insurance security needs of consumers at different levels, which is of great significance to active and expanding the insurance market. This paper includes the following parts: the first part classifies mutual insurance organizations and analyzes their advantages based on the definition and characteristics of mutual insurance organizations. It is found that the two forms of mutual insurance organizations, mutual insurance companies and mutual societies, have great differences in governance structure, organizational scale, business scope, business model, and so on. The second part is to study the development process of mutual insurance companies and mutual societies, and draw valuable experience for the development of mutual insurance in China. In the primary stage of the development of insurance market, the market is immature, the consumer's insurance consciousness is weak, the management technology of insurance company is not advanced enough, mutual insurance company is the effective means to cultivate the insurance market, so there appears the phenomenon of mutual transformation. When the insurance market develops under the background of globalization, mutual insurance companies are competing fiercely with the share insurance companies, because of the difficulty of increasing capital and financing, it is difficult to expand the scale, and the congenital defects of management conservatism lead to the phenomenon of non-mutual transformation. Even so, mutual insurance companies can still account for 27 percent of the global insurance market and are increasingly heading for niche markets. Especially after the financial crisis, the low-leverage advantage of mutual insurance companies is highlighted, which leads to a new trend of re-reciprocity. At the same time, the mutual insurance society is small and fine, can play a stronger role in a certain field, and can give full play to the social effect of mutual insurance mutual aid in rural areas. The third part is to study the development of mutual insurance in China and the existing problems. Taking the Sunshine Agricultural Mutual Insurance Company and the Fulong Rural Insurance Credit Association in Longshan Town of Cixi City as examples, this paper sums up the development status and problems faced by mutual insurance companies and mutual insurance societies in China, respectively. The main problem is the limited sources of funds. The application channel is single and the system is not perfect. At the same time, there are also more Internet mutual aid platforms. Taking anti-cancer communes and E mutual aid as examples, the authors think that mutual aid platforms are "mutual", not a form of mutual insurance organizations, and there are also regulations in their development. Sustainable management, risk control and other issues. The fourth part, in view of the above summary mutual insurance development existence question, proposed the corresponding policy proposal. For the development of mutual insurance companies, it is proposed to broaden the sources of funds and effectively strengthen supervision. For mutual societies, it is proposed to actively cultivate the public awareness of mutual assistance and cooperation, to strengthen the construction of talent ranks and to build a multi-level mutual insurance system. At the same time, we should actively deal with the impact of the "Internet".
【學(xué)位授予單位】：首都經(jīng)濟貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F842.3
本文編號：2383775
[Abstract]:Mutual insurance organization is a special form of insurance organization with the nature of mutual assistance and cooperation. China allows and encourages the development of mutual insurance organization, which not only enriches the organization of insurance industry, but also fully meets the insurance security needs of consumers at different levels, which is of great significance to active and expanding the insurance market. This paper includes the following parts: the first part classifies mutual insurance organizations and analyzes their advantages based on the definition and characteristics of mutual insurance organizations. It is found that the two forms of mutual insurance organizations, mutual insurance companies and mutual societies, have great differences in governance structure, organizational scale, business scope, business model, and so on. The second part is to study the development process of mutual insurance companies and mutual societies, and draw valuable experience for the development of mutual insurance in China. In the primary stage of the development of insurance market, the market is immature, the consumer's insurance consciousness is weak, the management technology of insurance company is not advanced enough, mutual insurance company is the effective means to cultivate the insurance market, so there appears the phenomenon of mutual transformation. When the insurance market develops under the background of globalization, mutual insurance companies are competing fiercely with the share insurance companies, because of the difficulty of increasing capital and financing, it is difficult to expand the scale, and the congenital defects of management conservatism lead to the phenomenon of non-mutual transformation. Even so, mutual insurance companies can still account for 27 percent of the global insurance market and are increasingly heading for niche markets. Especially after the financial crisis, the low-leverage advantage of mutual insurance companies is highlighted, which leads to a new trend of re-reciprocity. At the same time, the mutual insurance society is small and fine, can play a stronger role in a certain field, and can give full play to the social effect of mutual insurance mutual aid in rural areas. The third part is to study the development of mutual insurance in China and the existing problems. Taking the Sunshine Agricultural Mutual Insurance Company and the Fulong Rural Insurance Credit Association in Longshan Town of Cixi City as examples, this paper sums up the development status and problems faced by mutual insurance companies and mutual insurance societies in China, respectively. The main problem is the limited sources of funds. The application channel is single and the system is not perfect. At the same time, there are also more Internet mutual aid platforms. Taking anti-cancer communes and E mutual aid as examples, the authors think that mutual aid platforms are "mutual", not a form of mutual insurance organizations, and there are also regulations in their development. Sustainable management, risk control and other issues. The fourth part, in view of the above summary mutual insurance development existence question, proposed the corresponding policy proposal. For the development of mutual insurance companies, it is proposed to broaden the sources of funds and effectively strengthen supervision. For mutual societies, it is proposed to actively cultivate the public awareness of mutual assistance and cooperation, to strengthen the construction of talent ranks and to build a multi-level mutual insurance system. At the same time, we should actively deal with the impact of the "Internet".
【學(xué)位授予單位】：首都經(jīng)濟貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F842.3
【參考文獻】
相關(guān)期刊論文 前10條
1 庹國柱;;對于發(fā)展我國相互保險的一些認識(下)[J];中國保險;2016年01期
2 庹國柱;;對于發(fā)展我國相互保險的一些認識(上)[J];中國保險;2015年12期
3 張振彪;;相互保險起航[J];金融博覽(財富);2015年08期
4 趙婉竹;;相互保險公司在我國發(fā)展?jié)摿Φ腟WOT分析[J];經(jīng)營與管理;2015年07期
5 ;保監(jiān)會關(guān)于印發(fā)《相互保險組織監(jiān)管試行辦法》的通知[J];中華人民共和國國務(wù)院公報;2015年15期
6 葉琪;;中國相互制農(nóng)業(yè)保險的現(xiàn)狀與發(fā)展[J];廣西財經(jīng)學(xué)院學(xué)報;2015年01期
7 鮑雯;徐洪水;黃健;傅曉燕;;全國首家保險互助社試點情況調(diào)查報告[J];金融發(fā)展評論;2014年09期
8 蔡華;;資本結(jié)構(gòu)與再保險——基于中國財險業(yè)的理論與實證[J];暨南學(xué)報(哲學(xué)社會科學(xué)版);2014年07期
9 石東洋;袁冰;陳忱;;相互保險公司的種類及特性[J];福建法學(xué);2013年03期
10 孫立娟;李瑩蕾;;日本相互保險公司的發(fā)展演變及其原因分析[J];現(xiàn)代日本經(jīng)濟;2013年02期
相關(guān)重要報紙文章 前4條
1 馮娜娜;;4家公司發(fā)起設(shè)立相互人壽保險公司[N];中國保險報;2015年
2 李唐寧;;互助保險風(fēng)頭正勁 保監(jiān)會提示非法集資風(fēng)險[N];經(jīng)濟參考報;2015年
3 冷翠華;;電商巨頭染指相互保險后果是什么[N];證券日報;2015年
4 庹國柱;王國軍;;為相互保險在我國的發(fā)展鳴鑼開道[N];中國保險報;2015年
相關(guān)博士學(xué)位論文 前3條
1 葉曉凌;中國漁業(yè)互助合作保險形成、運行及保障機制研究[D];西北農(nóng)林科技大學(xué);2011年
2 楊文生;基于監(jiān)管視角的漁業(yè)互助保險運營績效評價研究[D];中國海洋大學(xué);2014年
3 劉素春;中國農(nóng)業(yè)保險組織形式研究[D];武漢大學(xué);2010年
，本文編號：2383775
本文鏈接：http://www.lk138.cn/jingjilunwen/bxjjlw/2383775.html
最近更新
教材專著
