本文選題：保險(xiǎn)制度 + 優(yōu)秀運(yùn)動(dòng)員�。� 參考：《北京體育大學(xué)》2014年博士論文

【摘要】：在競(jìng)技體育運(yùn)動(dòng)中,優(yōu)秀運(yùn)動(dòng)員保險(xiǎn)是運(yùn)動(dòng)員有效轉(zhuǎn)移風(fēng)險(xiǎn),減少損失的重要途徑,它不僅能夠有效維護(hù)運(yùn)動(dòng)員的利益,而且能夠促進(jìn)我國(guó)競(jìng)技體育的可持續(xù)發(fā)展,因此對(duì)優(yōu)秀運(yùn)動(dòng)員保險(xiǎn)的研究具有重要的理論意義和現(xiàn)實(shí)意義。依據(jù)保險(xiǎn)學(xué)理論,保險(xiǎn)包括三部分:一是由政府經(jīng)辦的社會(huì)保險(xiǎn);二是由專門(mén)的保險(xiǎn)公司按商業(yè)原則經(jīng)營(yíng)的商業(yè)保險(xiǎn);三是由被保險(xiǎn)人集資合辦,體現(xiàn)自�；ブ竦暮献鞅ｋU(xiǎn)。改革前的計(jì)劃經(jīng)濟(jì)體制下,我國(guó)僅在社會(huì)保險(xiǎn)中對(duì)運(yùn)動(dòng)員的保障有所體現(xiàn)。改革后,伴隨著我國(guó)社會(huì)經(jīng)濟(jì)和競(jìng)技體育的快速發(fā)展,運(yùn)動(dòng)員保險(xiǎn)問(wèn)題得到政府部門(mén)和社會(huì)各界的高度重視和廣泛關(guān)注。本文運(yùn)用文獻(xiàn)資料、比較分析、專家訪談和數(shù)理統(tǒng)計(jì)等研究方法,對(duì)我國(guó)優(yōu)秀運(yùn)動(dòng)員保險(xiǎn)問(wèn)題進(jìn)行了較為深入的研究,得出如下結(jié)論:1.從總體看,我國(guó)優(yōu)秀運(yùn)動(dòng)員保險(xiǎn)存在的主要問(wèn)題是:優(yōu)秀運(yùn)動(dòng)員保險(xiǎn)市場(chǎng)尚未建立,保險(xiǎn)中介發(fā)展滯后;優(yōu)秀運(yùn)動(dòng)員保險(xiǎn)產(chǎn)品研發(fā)和創(chuàng)新不足;現(xiàn)行的體育管理體制制約運(yùn)動(dòng)員商業(yè)保險(xiǎn)市場(chǎng)的發(fā)展;相關(guān)法律法規(guī)亟待完善等。2.就優(yōu)秀運(yùn)動(dòng)員傷殘互助保險(xiǎn)而言,數(shù)理分析結(jié)果表明:低等級(jí)賠付在整體賠付中占主導(dǎo):項(xiàng)目不同,風(fēng)險(xiǎn)不同,賠付人次和金額也不同。3.我國(guó)優(yōu)秀運(yùn)動(dòng)員商業(yè)保險(xiǎn)有效需求不足,但潛在需求較大。優(yōu)秀運(yùn)動(dòng)員商業(yè)保險(xiǎn)有效供給不足,但存在較大提升空間。根據(jù)上述研究,本文提出如下建議:1.借鑒體育發(fā)達(dá)國(guó)家的經(jīng)驗(yàn),隨著社會(huì)經(jīng)濟(jì)文化不斷發(fā)展,政府職能不斷轉(zhuǎn)變和體育管理體制改革,最大限度發(fā)揮市場(chǎng)機(jī)制的作用,增強(qiáng)優(yōu)秀運(yùn)動(dòng)員商業(yè)保險(xiǎn)的意識(shí)。2.進(jìn)行體育管理體制和優(yōu)秀運(yùn)動(dòng)員保險(xiǎn)制度改革,使市場(chǎng)在體育資源配置中起到?jīng)Q定作用,構(gòu)建以商業(yè)保險(xiǎn)為主體、社會(huì)保險(xiǎn)為基礎(chǔ)、互助保險(xiǎn)為補(bǔ)充,保險(xiǎn)經(jīng)紀(jì)人為中介的優(yōu)秀運(yùn)動(dòng)員保險(xiǎn)體系。3.對(duì)運(yùn)動(dòng)員社會(huì)保險(xiǎn)制度改革進(jìn)行頂層設(shè)計(jì)和制度整體優(yōu)化。通過(guò)有效落實(shí)運(yùn)動(dòng)員社會(huì)保險(xiǎn)關(guān)系轉(zhuǎn)移接續(xù),逐步實(shí)現(xiàn)運(yùn)動(dòng)員社會(huì)保險(xiǎn)的全國(guó)統(tǒng)籌,擴(kuò)大優(yōu)秀運(yùn)動(dòng)員參保的覆蓋面。4.通過(guò)多方籌集保險(xiǎn)基金、修訂和完善賠付標(biāo)準(zhǔn)、適度提高繳費(fèi)標(biāo)準(zhǔn)、增加非奧運(yùn)會(huì)項(xiàng)目投保、建立專業(yè)自保公司等改革措施,堅(jiān)持并完善優(yōu)秀運(yùn)動(dòng)員傷殘互助保險(xiǎn)制度。5.進(jìn)行頂層設(shè)計(jì),推進(jìn)現(xiàn)行體育管理體制的改革和優(yōu)秀運(yùn)動(dòng)員商業(yè)保險(xiǎn)的發(fā)展。政府出臺(tái)政策支持產(chǎn)品的研發(fā)創(chuàng)新,實(shí)施強(qiáng)制保險(xiǎn),建立專業(yè)體育保險(xiǎn)公司。
[Abstract]:In competitive sports, the insurance of elite athletes is an important way for athletes to effectively transfer risks and reduce losses. It can not only effectively safeguard the interests of athletes, but also promote the sustainable development of competitive sports in China. Therefore, the study of elite athletes insurance has important theoretical and practical significance. According to the theory of insurance, insurance includes three parts: first, social insurance run by the government; second, commercial insurance operated by special insurance companies in accordance with commercial principles; third, joint financing by the insured, Cooperative insurance that embodies the spirit of self-insurance and mutual assistance. Under the planned economy system before reform, our country only embodies the safeguard of athletes in social insurance. After the reform, with the rapid development of social economy and competitive sports in China, the issue of athlete insurance has been highly valued and widely concerned by government departments and all walks of life. By using the methods of literature, comparative analysis, expert interview and mathematical statistics, this paper makes a deep research on the insurance problem of elite athletes in China, and draws the following conclusions: 1. On the whole, the main problems in the insurance of elite athletes in China are as follows: the insurance market of outstanding athletes has not been established, the development of insurance intermediary is lagging behind, the research and development and innovation of insurance products of excellent athletes are insufficient; The current sports management system restricts the development of athletes' commercial insurance market, and the relevant laws and regulations need to be improved. As far as the disability mutual insurance of elite athletes is concerned, the results of mathematical analysis show that the low grade compensation plays a dominant role in the overall compensation: different items, different risks, different paytimes and different amounts of compensation. Our country outstanding athlete commercial insurance effective demand is insufficient, but the potential demand is big. Outstanding athlete commercial insurance supply is insufficient, but there is great room for improvement. Based on the above study, this paper puts forward the following suggestions: 1. With the continuous development of social economy and culture, the government function is changing constantly and the sports management system is reformed, the function of the market mechanism is brought into full play, and the consciousness of commercial insurance of elite athletes is strengthened by drawing lessons from the experience of the sports developed countries. To reform the sports management system and the insurance system of elite athletes, to make the market play a decisive role in the allocation of sports resources, to construct a system based on commercial insurance, social insurance as the basis, mutual insurance as a supplement, Insurance broker as the intermediary of the excellent athletes insurance system. To the athlete social insurance system reform carries on the top-level design and the system overall optimization. Through the effective implementation of the transfer of athletes' social insurance relationship, the national overall planning of athletes' social insurance should be gradually realized, and the coverage of elite athletes' participating in the insurance should be expanded. Through raising insurance fund, revising and perfecting compensation standard, raising payment standard moderately, increasing insurance coverage for non-Olympic items, establishing professional self-insurance company, etc., we should persist in and perfect the mutual insurance system of elite athletes' disability and disability. Carry out top-level design to promote the reform of current sports management system and the development of commercial insurance for outstanding athletes. The government has issued policies to support product development and innovation, implement compulsory insurance, and establish professional sports insurance companies.
【學(xué)位授予單位】：北京體育大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2014
【分類號(hào)】：F842.6;G812.3

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