保险行业的信访投诉作为信访现象的一种存在形式,近年来逐渐成为保险消费者解决矛盾纠纷的一种选择路径。北京大学法学院苏力教授曾说到:“一种制度得以长期且普遍地坚持,必定有其存在的理由,即具有语境化的合理性;因此首先应当得到后来者或外来者的尊重和理解。”通过对保险行业信访现象成因进行传统文化与制度设计分析,可以合理地看待和分析保险信访产生的缘由,可以理顺保险信访中的复杂关系;进而可以为解决社会不稳定因素提供借鉴。保险信访者的认知状况、心理需求和传统文化观念是决定其进行行为评估和选择的主观因素;保险信访者的文化程度、经济收入和社会地位等客 As an existing form of letters and visits, petition complaints in the insurance industry have gradually become an alternative way for insurance consumers to resolve conflicts and disputes in recent years. Professor Su Li of Peking University Law School once said: “A system that has long and universally adhered to must have its own reasons for existence, that is, it has contextualized rationality. Therefore, it should first of all be respected by latecomers or outsiders And understanding. ”Through the analysis of the causes of the petition in the insurance industry, the traditional culture and system design analysis can reasonably treat and analyze the causes of insurance letters and visits, and can rationalize the complex relationship between letters and visits. In turn, we can solve the problems of social instability Provide reference. The cognitive status, psychological needs and traditional culture of insurance interviewers are the subjective factors that determine their behavior evaluation and selection. The insurance degree, economic income and social status of insurance interviewers