本文選題：壽險(xiǎn) + 誠(chéng)信建設(shè)�。� 參考：《西南財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：中華民族誠(chéng)信歷史文化悠久,自古以來人們就將誠(chéng)信視為立國(guó)之本、立業(yè)之本、立身之本。然而,隨著社會(huì)的發(fā)展,誠(chéng)信問題日益成為困擾社會(huì)主義市場(chǎng)經(jīng)濟(jì)的一大頑疾。如三鹿奶粉事件、南京冠生園事件等食品安全事件一再暴露出我國(guó)社會(huì)誠(chéng)信缺失的嚴(yán)重性。作為社會(huì)主義市場(chǎng)經(jīng)濟(jì)的有機(jī)組成部分,我國(guó)壽險(xiǎn)市場(chǎng)上的誠(chéng)信缺失現(xiàn)象也非常嚴(yán)重,如壽險(xiǎn)公司惜賠、濫賠、拖賠及代理人銷售誤導(dǎo)現(xiàn)象屢見報(bào)端,嚴(yán)重影響了壽險(xiǎn)行業(yè)的社會(huì)形象。作為和諧社會(huì)的重要組成部分,壽險(xiǎn)行業(yè)也應(yīng)立足于長(zhǎng)遠(yuǎn)利益,堅(jiān)持誠(chéng)信經(jīng)營(yíng),打造誠(chéng)信的社會(huì)形象,在實(shí)現(xiàn)自身經(jīng)濟(jì)利益的同時(shí),也積極承擔(dān)起應(yīng)盡的社會(huì)義務(wù)。 本文在研究誠(chéng)信的基本概念的基礎(chǔ)上,結(jié)合企業(yè)文化、思想教育、價(jià)值觀念等理論,從壽險(xiǎn)行業(yè)實(shí)際出發(fā),對(duì)壽險(xiǎn)行業(yè)誠(chéng)信文化建設(shè)問題進(jìn)行了深入的分析和研究。本文分為五個(gè)部分： 第一部分描述了誠(chéng)信的基本概念及意義,概括總結(jié)了誠(chéng)信的基本內(nèi)涵,即真實(shí)、可靠、可信、信任,指出誠(chéng)信是國(guó)家的執(zhí)政之本,企業(yè)的立業(yè)之本,是每個(gè)社會(huì)成員的立身之本,處世之道。 第二部分從壽險(xiǎn)經(jīng)營(yíng)特殊性出發(fā),概述了壽險(xiǎn)行業(yè)企業(yè)文化的基本內(nèi)容,即誠(chéng)信是金,服務(wù)至上,以人為本,同時(shí)闡述了企業(yè)誠(chéng)信文化的基本概念和特點(diǎn)。在此基礎(chǔ)上特別對(duì)壽險(xiǎn)行業(yè)企業(yè)誠(chéng)信文化及特點(diǎn)作了闡述,指出壽險(xiǎn)企業(yè)誠(chéng)信文化的最重要內(nèi)容就是最大誠(chéng)信原則,并分析了壽險(xiǎn)行業(yè)誠(chéng)信文化的表現(xiàn),即壽險(xiǎn)行業(yè)對(duì)消費(fèi)者的的誠(chéng)信,代理人對(duì)保險(xiǎn)人及消費(fèi)者的誠(chéng)信,消費(fèi)者對(duì)保險(xiǎn)人的誠(chéng)信。 第三部分闡述了壽險(xiǎn)行業(yè)誠(chéng)信文化建設(shè)的重要意義,即促進(jìn)壽險(xiǎn)行業(yè)長(zhǎng)期健康發(fā)展,維護(hù)壽險(xiǎn)市場(chǎng)經(jīng)營(yíng)秩序的穩(wěn)定,提高壽險(xiǎn)行業(yè)核心競(jìng)爭(zhēng)力,促進(jìn)構(gòu)建和諧社會(huì)。 第四部分總結(jié)了壽險(xiǎn)行業(yè)誠(chéng)信文化建設(shè)的問題,即從制度構(gòu)建上來看,壽險(xiǎn)行業(yè)沒有將誠(chéng)信文化制度化,從執(zhí)行上來講,壽險(xiǎn)行業(yè)未真正落實(shí)誠(chéng)信經(jīng)營(yíng)舉措,而且誠(chéng)信法律法規(guī)不完善,監(jiān)管力度不夠,失信成本很低。同時(shí)分析了產(chǎn)生問題的三個(gè)主要原因,即社會(huì)誠(chéng)信缺失,信息不對(duì)稱,壽險(xiǎn)行業(yè)追求短期利益考核機(jī)制。 第五部分提出了壽險(xiǎn)行業(yè)文化建設(shè)的具體措施,如建立和完善壽險(xiǎn)公司誠(chéng)信經(jīng)營(yíng)流程,加強(qiáng)壽險(xiǎn)行業(yè)干部員工隊(duì)伍誠(chéng)信教育,建立健全誠(chéng)信制度,改革現(xiàn)行營(yíng)銷考核制度,建立內(nèi)部誠(chéng)信考評(píng)機(jī)制,改革代理人制度,建立壽險(xiǎn)行業(yè)征信體系,加強(qiáng)誠(chéng)信法律法規(guī)建設(shè),加強(qiáng)壽險(xiǎn)行業(yè)外部監(jiān)管。
[Abstract]:The integrity of the Chinese nation has a long history and culture. Since ancient times, honesty has been regarded as the foundation of the nation, the foundation of the cause and the foundation of the body. However, with the development of society, the problem of honesty has increasingly become a serious problem that puzzles the socialist market economy. Food safety events, such as Sanlu milk powder incident, Nanjing Guansheng Garden incident, have repeatedly exposed the seriousness of the lack of social integrity in China. As an organic part of the socialist market economy, the lack of integrity in the life insurance market of our country is very serious, such as the loss of compensation by life insurance companies, excessive compensation, tardiness and misguided sales by agents. Seriously affected the social image of the life insurance industry. As an important part of a harmonious society, the life insurance industry should also base itself on the long-term interests, adhere to the integrity of management, create a social image of integrity, and realize its own economic interests at the same time. This paper, on the basis of studying the basic concept of honesty and credit, combines the theories of corporate culture, ideological education, values and so on, starting from the reality of the life insurance industry. This paper makes a deep analysis and research on the construction of honesty culture in life insurance industry. This paper is divided into five parts: the first part describes the basic concept and significance of good faith, summarizes the basic connotation of good faith, that is, truthfulness, reliability, credibility, trust, and points out that honesty is the foundation of the government of the country and the foundation of enterprise. The second part, from the particularity of life insurance management, summarizes the basic content of enterprise culture of life insurance industry, that is, honesty is gold, service is supreme, people-oriented. At the same time, the paper expounds the basic concept and characteristics of enterprise credit culture. On this basis, the author expounds the culture and characteristics of honesty and credit in life insurance industry, and points out that the most important content of credit culture of life insurance industry is the principle of maximum good faith, and analyzes the expression of honesty culture in life insurance industry. That is, the honesty of life insurance industry to consumers, the honesty of agents to insurers and consumers, and the honesty of consumers to insurers. The third part expounds the importance of the construction of life insurance industry honesty culture, that is, to promote the healthy development of life insurance industry for a long time. To maintain the stability of life insurance market management order, to improve the core competitiveness of life insurance industry, to promote the construction of a harmonious society. The fourth part summarizes the construction of life insurance industry integrity culture, that is, from the point of view of system construction, The life insurance industry does not institutionalize the integrity culture. In terms of implementation, the life insurance industry has not really implemented the good faith management measures, and the integrity laws and regulations are not perfect, the supervision is not enough, and the cost of dishonesty is very low. At the same time, it analyzes the three main causes of the problems, that is, the lack of social integrity, asymmetric information, the life insurance industry in pursuit of short-term interest assessment mechanism. The fifth part puts forward the specific measures for the construction of life insurance industry culture. For example, to establish and perfect the business process of life insurance company, to strengthen the honesty education of life insurance cadres and staff, to establish and perfect the credit system, to reform the current marketing assessment system, to establish the internal credit appraisal mechanism, and to reform the agent system. Establish life insurance industry credit system, strengthen the construction of good faith laws and regulations, strengthen the life insurance industry external supervision.
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842.62;F270

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