本文選題：我國 + 保險��； 參考：《吉林大學(xué)》2004年碩士論文

【摘要】：伴隨著競爭機(jī)制的不斷引入,中國保險市場正經(jīng)歷高速發(fā)展的時期。但相對于西方發(fā)達(dá)國家而言,中國的保險市場結(jié)構(gòu)仍處于難辨方向的摸索階段。建立競爭性的保險市場體系,將繼續(xù)是中國保險市場逐步走向成熟的關(guān)鍵。尤其是中國即將加入WTO和保險市場的進(jìn)一步擴(kuò)大開放,建立競爭性的保險市場體系將有利于提高保險市場的運(yùn)作效率,優(yōu)化保險市場的市場結(jié)構(gòu),促進(jìn)保險市場的良性發(fā)展。而要實現(xiàn)這一目標(biāo)，必須有良好且有效的法律環(huán)境作保障。作為社會主義法治經(jīng)濟(jì)的一部分，保險市場的成長狀況關(guān)系著社會生活的方方面面，因為，保險的本質(zhì)就是由社會來分擔(dān)個別人或個別群體的損失，來減小各種災(zāi)禍給個人帶來的不利影響�？梢哉f，保險的各方主體雖然是特定的人或群體，但其影響卻波及整個社會。對于這樣一個社會影響極其廣泛的行業(yè)，其行為活動必然要受到法律的約束，因為只有法律才能從根本上排除人治，排除少數(shù)人的恣意妄為，從而保證社會利益在最大程度上得以實現(xiàn)。 全文共分為三個部分： 第一部分——我國保險市場上的不正當(dāng)競爭行為 首先，針對目前理論界和實踐界對保險競爭行為性質(zhì)的誤解，筆者著意辨析了壟斷與不正當(dāng)競爭的區(qū)別，并明確保險市場上的不規(guī)范競爭行為屬于不正當(dāng)競爭,而非壟斷行為。其次,列舉了我國保險市場上不正當(dāng)競爭行為的表現(xiàn)與危害。其表現(xiàn)主要有：強(qiáng)制保險行為、違規(guī)經(jīng)營行為、限制競爭行為、人才爭搶行為等；其危害主要有：擾亂市場的秩序，給保險行業(yè)帶來混亂，以及引起業(yè)務(wù)質(zhì)量下降，使保險公司形成巨額賠付壓力而無可靠的賠付能力等。再次，分析了我國保險市場上不正當(dāng)競爭行為的成因，如保險市場培育不充分，導(dǎo)致經(jīng)營方式粗放；外部競爭條件不平等，誘使競爭行為不正當(dāng)；不正當(dāng)競爭行為的違法成本偏低， WP=50 守法成本偏高；保險行業(yè)從業(yè)人員素質(zhì)偏低；保險業(yè)競爭立法相對滯后；執(zhí)法不公等。 最后，基于以上論述，得出以法規(guī)制我國保險市場上不正當(dāng)競爭行為的必要性，即它是保險市場自身發(fā)展的客觀需要，是中國保險市場向國際化趨勢發(fā)展的有力保障。 第二部分——我國保險競爭法律體系的理論基礎(chǔ) 保險競爭是競爭的一種，因此，要想正確地理解保險競爭，我們就有必要從基礎(chǔ)的競爭理論著手，逐漸推演開來，從競爭的共性中尋找出保險競爭的特性。同時，我們還要以競爭法制度為基礎(chǔ)，尋找保險競爭法的基本立足點。 對于競爭的含義，筆者從經(jīng)濟(jì)學(xué)上的競爭入手，引導(dǎo)出法學(xué)意義上的競爭，即市場經(jīng)濟(jì)主體在生產(chǎn)經(jīng)營活動中，以追求最大經(jīng)濟(jì)效益為目的，通過合法手段所進(jìn)行的有關(guān)市場條件、市場資源、市場份額和市場活動結(jié)果的有序爭奪。對于競爭的功能，可從積極與消極兩方面分析，其積極的功能主要有：可以促進(jìn)社會生產(chǎn)力的合理流動，實現(xiàn)資源的優(yōu)化配置；可以調(diào)節(jié)國民收入的分配和再分配，有利于合理的市場價格的確定和均衡利潤的形成；可以作為經(jīng)濟(jì)發(fā)展的動力和壓力，優(yōu)勝劣汰，促進(jìn)社會經(jīng)濟(jì)的繁榮與進(jìn)步；可以最大限度的實現(xiàn)對消費(fèi)者合法權(quán)益的保護(hù)等。其消極功能主要有：競爭的充分開展通常要付出一定的社會成本；會破壞既存的社會經(jīng)濟(jì)秩序；對社會精神文明建設(shè)有一定負(fù)面影響；不可避免的會導(dǎo)致各種形式的壟斷的出現(xiàn)等。 所謂競爭法，是調(diào)整市場公平競爭關(guān)系和市場競爭管理關(guān)系的法律規(guī)范的總和。競爭法的調(diào)整對象有反不正當(dāng)競爭關(guān)系、公平競爭關(guān)系和國家對市場競爭的管理關(guān)系。競爭法的法律體系是指競爭法所應(yīng)當(dāng)涵蓋的子法規(guī)群，即確認(rèn)、創(chuàng)設(shè)競爭條件和競爭環(huán)境的法律規(guī)范、調(diào)整市場競爭關(guān)系的實體性法律規(guī)范、調(diào)整競爭管理關(guān)系的實體法規(guī)范，以及處理競爭關(guān)系的程序法規(guī)范。競爭法的性質(zhì)也具有復(fù)合性，是兼具有私法 WP=51 （商法）和公法或社會法（經(jīng)濟(jì)法）雙重屬性的混合法律制度。同時，競爭法對社會經(jīng)濟(jì)發(fā)展具有多方面的積極作用。 第三部分——建立我國保險競爭法律體系的制度設(shè)想 首先，建立我國保險競爭法律體系具有重要意義，，它有利于保證保險人具有足夠的償付能力，維護(hù)被保險人的合法權(quán)益；有利于維護(hù)保險業(yè)的公平競爭；有利于防止保險欺詐的發(fā)生；有利于保險業(yè)經(jīng)營的合理化和科學(xué)化；并有利于提高保險業(yè)的社會效益。 其次，保險競爭立法的主要目的是促進(jìn)和保護(hù)公平有序的保險競爭活動。在我國的保險行業(yè)，公平競爭仍應(yīng)具有這樣一種涵義：它不強(qiáng)調(diào)結(jié)果相等，而重視起點，重視程序，強(qiáng)調(diào)每個“人”（個人和企業(yè)）都有參與競爭的機(jī)會，要求競爭各方面臨同樣的選擇機(jī)會，即機(jī)會均等的公平。 最后，筆者以為，對我國保險競爭立法可以提出以下幾點建議：1、進(jìn)行稅制改革，確保不同主體的平等競爭地位；2、拓寬保險資金運(yùn)用途徑，加速保險基金積累，提高保險償付能力；3、嚴(yán)格區(qū)分政策性保險與商業(yè)性保險，使商業(yè)保險更貼近市場；4、規(guī)范保險條款，使之更趨嚴(yán)謹(jǐn)科學(xué)；5、嚴(yán)格資格管理，提高保險從業(yè)人員素質(zhì)；6、建立保險監(jiān)管機(jī)制，強(qiáng)化保險監(jiān)管；7、切實落實法律規(guī)定，加大對嚴(yán)重違法違規(guī)行為的懲罰力度；8、加大對保險及保險法規(guī)的宣傳力度，提高國民的保險意識。 綜上，通過對我國保險市場上競爭行為的分析，筆者試圖闡明我國保險市場
[Abstract]:With the continuous introduction of competition mechanism, China's insurance market is experiencing a period of rapid development. However, relative to western developed countries, China's insurance market structure is still in the difficult stage of exploration. To establish a competitive insurance market system will continue to be the key to the gradual maturity of China's Insurance Market. Especially China's insurance market. The further expansion of the WTO and the insurance market and the establishment of a competitive insurance market system will help to improve the efficiency of the insurance market, optimize the market structure of the insurance market and promote the healthy development of the insurance market. To achieve this goal, a good and effective legal environment must be guaranteed. As part of the rule of law economy, the growth of the insurance market is related to all aspects of social life, because the essence of the insurance is to share the loss of other people or individual groups by the society to reduce the adverse effects of various calamities on individuals. The activities of the whole society. For such an industry with extremely wide social impact, its activities are bound to be bound by the law, because only the law can fundamentally eliminate the rule of man and exclude the unscrupulous of a few, so that the social interests can be realized to the greatest extent.
The full text is divided into three parts:
The first part is unfair competition in China's insurance market.
First, in view of the misunderstanding of the nature of insurance competition in the theoretical and practical circles, the author distinguishes the difference between monopoly and unfair competition, and makes clear that the unfair competition behavior in the insurance market belongs to unfair competition, not monopoly. Secondly, it lists the performance and harm of unfair competition behavior in the insurance market of our country. The main manifestations are: compulsory insurance, illegal operation, restriction of competitive behavior, and talent competition. The main hazards are: disrupting the order of the market, bringing chaos to the insurance industry, causing the decline of the business quality, causing the insurance companies to form a huge compensation pressure and no reliable compensation ability. The causes of unfair competition in the risk market, such as inadequate cultivation of the insurance market, lead to extensive operation, unequal external competition conditions, unjustifiable competition behavior, low cost of illegal competition, and low cost of illegal competition.
WP=50
The cost of obeying the law is high, the quality of the employees in the insurance industry is low, the legislation of the insurance industry is lagging behind, and the law enforcement is unfair.
Finally, based on the above discussion, it is necessary to regulate the unfair competition behavior in the insurance market of our country, that is, it is the objective need of the development of the insurance market itself, and it is the strong guarantee for the development of the Chinese insurance market to the trend of internationalization.
The second part -- the theoretical foundation of China's insurance competition legal system
Insurance competition is a kind of competition. Therefore, if we want to understand the insurance competition correctly, it is necessary for us to start from the basic competition theory and gradually deduce the characteristics of the insurance competition from the commonality of the competition. At the same time, we should look for the basic foothold of the insurance competition law on the basis of the competition law system.
For the meaning of competition, the author, starting with the competition in economics, guides the competition in the sense of law, that is, the orderly contention of market conditions, market resources, market share and the result of market activities through legal means in the pursuit of the maximum economic benefit in the production and operation of the market economy. The function can be analyzed from two aspects of positive and negative aspects. The main functions are as follows: it can promote the rational flow of social productivity, realize the optimal allocation of resources, adjust the distribution and redistribution of national income, be beneficial to the determination of reasonable market prices and the balance of the formation of Lei, and can be used as the motive force of economic development and Pressure, the survival of the fittest, the promotion of social and economic prosperity and progress, and the maximum realization of the protection of the legitimate rights and interests of consumers. Its negative functions are as follows: the full development of competition usually pays a certain social cost; it will destroy the existing social and economic order; it has a negative impact on the construction of social spiritual civilization. Inevitably, it will lead to the emergence of various forms of monopoly.
The so-called competition law is the sum of the legal norms regulating the relationship between the market fair competition and the management of the market competition. The object of the adjustment of the competition law is the anti unfair competition relationship, the fair competition relationship and the management relation of the state to the market competition. The legal system of the Competition Law refers to the sub laws and regulations that the competition law should cover, that is to say, to establish and create the competition law. The legal norms of competition conditions and competitive environment, substantive legal norms regulating market competition relations, regulating the substantive law of competition management relations, and procedural norms dealing with competitive relations. The nature of competition law is also complex and has private law.
WP=51
(Commercial Law) and public law or social law (Economic Law) dual attributes of the mixed legal system. At the same time, competition law has many positive effects on social and economic development.
The third part -- the assumption of establishing the legal system of insurance competition in China
First, it is of great significance to establish the legal system of insurance competition in our country. It is beneficial to ensure that the insurer has sufficient solvency, safeguard the legitimate rights and interests of the insured, protect the fair competition of the insurance industry, prevent the occurrence of insurance fraud, be beneficial to the rationalization and scientific management of the insurance industry, and be beneficial to the insurance industry. To improve the social benefits of the insurance industry.
Secondly, the main purpose of insurance competition legislation is to promote and protect fair and orderly insurance competition activities. In China's insurance industry, fair competition should still have such a meaning: it does not emphasize the equality of the results, and attaches importance to the starting point, attaches importance to the procedure, and emphasizes that every "person" and "enterprise" have the opportunity to participate in the competition, and the competition is required. The same choice is equal opportunity equality.
Finally, the author thinks that the following suggestions can be put forward to China's insurance competition legislation: 1, carry out tax reform to ensure the equal competitive position of different subjects; 2, broaden the use of insurance funds, accelerate the accumulation of insurance funds, improve the solvency of insurance; and 3, strictly divide the policy insurance and commercial insurance to make commercial insurance more affixed. Near the market; 4, standardize the insurance clause, make it more rigorous and scientific; 5, strict qualification management, improve the quality of insurance employees; 6, establish insurance regulatory mechanism, strengthen insurance supervision; 7, implement the legal provisions, increase the punishment of serious illegal and illegal behavior; 8, increase the publicity of insurance and insurance regulations, and raise the country The consciousness of the people's insurance.
In conclusion, by analyzing the competitive behavior in China's insurance market, the author tries to clarify the insurance market in China.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2004
【分類號】：D922.284

【相似文獻(xiàn)】

相關(guān)期刊論文 前10條

1 梁松;論美國保險業(yè)的競爭和監(jiān)管及其對我國的啟示[J];中共杭州市委黨校學(xué)報;2004年01期

2 安娜;我國保險市場現(xiàn)狀分析[J];長江論壇;1999年03期

3 馮煜,劉新立;臺灣保險市場的開放及對大陸的啟示[J];兩岸關(guān)系;2003年10期

4 李佐霜;俄羅斯與中國保險市場對比研究[J];東北亞論壇;2003年06期

5 鄧成明;陽建勛;;美國保險市場競爭規(guī)制的立法及個案分析[J];廣州大學(xué)學(xué)報(社會科學(xué)版);2005年09期

6 劉助仁;中國保險市場研究述要[J];理論前沿;1995年17期

7 郝演蘇;在相同的國際經(jīng)濟(jì)環(huán)境下走向開放[J];兩岸關(guān)系;2002年01期

8 ;保險市場六大問題[J];兵團(tuán)黨校學(xué)報;2001年04期

9 趙紅星;“復(fù)關(guān)”對我國保險市場的影響及其對策[J];新長征;1994年06期

10 劉瑋;試論保險市場的法律監(jiān)管體系[J];保險研究;1998年05期

相關(guān)會議論文 前10條

1 薛善蒙;;論人員跳槽和競業(yè)避止[A];“落實科學(xué)發(fā)展觀，又快又好發(fā)展山東保險業(yè)”論文評選[C];2006年

2 王懿璇;余貴芳;劉君;;我國保險市場的現(xiàn)狀與發(fā)展策略[A];黑龍江省保險行業(yè)協(xié)會二屆理事會換屆大會暨三屆理事會一次會議文集[C];2004年

3 吳黎軍;胡錫健;劉永強(qiáng);;主成分和因子分析在保險市場分析中的應(yīng)用——烏魯木齊保險市場影響困素分析[A];2003中國現(xiàn)場統(tǒng)計研究會第十一屆學(xué)術(shù)年會論文集（上）[C];2003年

4 ;保險市場重在引導(dǎo)[A];2004年全國保險行業(yè)協(xié)會秘書長聯(lián)席會議論文集[C];2004年

5 黃國石;;保險市場中的逆向選擇分析[A];2001中國控制與決策學(xué)術(shù)年會論文集[C];2001年

6 黃國石;;道德風(fēng)險與逆向選擇分析[A];2002中國控制與決策學(xué)術(shù)年會論文集[C];2002年

7 魏勇;;建立內(nèi)河船舶強(qiáng)制責(zé)任保險制度的思考[A];2006年度海事管理學(xué)術(shù)交流會優(yōu)秀論文集[C];2006年

8 魏勇;;建立內(nèi)河船舶強(qiáng)制責(zé)任保險制度的思考[A];中國航海學(xué)會2006年度學(xué)術(shù)交流會優(yōu)秀論文集[C];2007年

9 ;面對風(fēng)險 迎接未來——著名精算專家鐘煦和先生來杭州訪問、講學(xué)[A];浙江省保險學(xué)會第六次會員代表大會論文集[C];2008年

10 曹明川;;對上海保險市場持續(xù)發(fā)展的點滴思考[A];2004年上海市保險學(xué)會年會論文集——暨上海市保險學(xué)會成立20周年和《上海保險》創(chuàng)刊20周年紀(jì)念[C];2004年

相關(guān)重要報紙文章 前10條

1 樓興望;保險競爭的理念[N];上海金融報;2002年

2 庹國柱;保險競爭 百姓最受益[N];大眾科技報;2001年

3 陸刃波 盛楨智;消費(fèi)者是中外資保險競爭的導(dǎo)火索？[N];中國保險報;2002年

4 南開大學(xué)國際保險研究所 邵全權(quán);發(fā)達(dá)國家保險競爭與監(jiān)管的經(jīng)驗[N];中國保險報;2008年

5 黃曉琴;保險競爭進(jìn)入服務(wù)比拼時代[N];證券日報;2004年

6 齊瑞宗 朱俊生;并購：提升保險競爭力的新途徑[N];中國保險報;2002年

7 原文;保險競爭：產(chǎn)品與服務(wù)[N];金融時報;2001年

8 本報記者 艾俊川;保險競爭遭遇人才短缺[N];金融時報;2002年

9 記者 吳紅軍;保險競爭進(jìn)入客戶導(dǎo)向時代[N];金融時報;2005年

10 記者 尹代文;保險競爭要的是公平[N];上海金融報;2005年

相關(guān)博士學(xué)位論文 前10條

1 程振源;保險市場若干非對稱信息問題的博弈分析[D];廈門大學(xué);2003年

2 辛強(qiáng);歐洲保險市場的一體化：政策、效果與啟示[D];復(fù)旦大學(xué);2003年

3 周志剛;風(fēng)險可保性理論與巨災(zāi)風(fēng)險的國家管理[D];復(fù)旦大學(xué);2005年

4 簡育宗;世界貿(mào)易組織（WTO）——服務(wù)業(yè)貿(mào)易總協(xié)定（GATS）下兩岸保險市場研究[D];中國政法大學(xué);2000年

5 周延;中國保險市場結(jié)構(gòu)、行為與績效研究[D];山東大學(xué);2007年

6 畢姝晨;中國保險業(yè)適度管制模式研究[D];吉林大學(xué);2004年

7 趙利勝;金融開放條件下我國保險安全問題研究[D];吉林大學(xué);2004年

8 羅之仁;我國民族保險教育研究[D];中央民族大學(xué);2006年

9 曾立新;巨災(zāi)風(fēng)險融資機(jī)制與政府干預(yù)研究[D];對外經(jīng)濟(jì)貿(mào)易大學(xué);2006年

10 湯文巍;上海市老年長期護(hù)理保險（LTCI）研究[D];復(fù)旦大學(xué);2005年

相關(guān)碩士學(xué)位論文 前10條

1 楊光;我國保險競爭法律問題研究[D];吉林大學(xué);2004年

2 聶小麗;我國保險市場理論與實證分析[D];華中科技大學(xué);2004年

3 陳璐;中國保險市場對外開放策略研究[D];天津財經(jīng)學(xué)院;2000年

4 蔣雪輝;我國保險市場的開放與政府監(jiān)管[D];西南財經(jīng)大學(xué);2000年

5 蔣新偉;我國保險市場結(jié)構(gòu)、行為、績效的實證研究[D];西南財經(jīng)大學(xué);2002年

6 袁沁;我國保險市場信息不對稱問題研究——一種信息經(jīng)濟(jì)學(xué)角度的分析[D];湖南大學(xué);2003年

7 章昀;從保險市場發(fā)育水平看考核體系的確立[D];南京理工大學(xué);2004年

8 董雁翔;論我國保險市場的適度開放[D];東北農(nóng)業(yè)大學(xué);2000年

9 程曉艷;中資保險公司核心競爭力研究[D];對外經(jīng)濟(jì)貿(mào)易大學(xué);2006年

10 毛偉;中國保險市場利益主體行為分析[D];武漢理工大學(xué);2005年

本文編號：1987420