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保险市场日益繁荣的今天,理赔单证管理混乱,疑难保险事故和骗赔现象增多,成为困扰保险企业的三大难题自1980年我国恢复国内保险业务以来,保险事业有了长足的发展。现已有中国人民保险公司、平安保险公司和太平洋保险公司三家大型保险企业。保险制度作为一种经济补偿制度,在筹集资金防灾减灾迅速支持生产的恢复和发展,保障社会和人民生活的安定,减轻财政和信贷的负担,减轻民政救济支出的压力等方面发挥了不可替代的作用,越来越受到群众的理解和支持。但是,由于我国保险业务恢复时间较短,制度还不健全,保险市场缺乏有效的法律规范,随着市场的日益繁荣,也出现了一些问题,困扰了保险事业的健康发展。目前,保险市场面临的主要问题是:
Insurance market is increasingly prosperous today, the management of claims documents chaos, the number of difficult insurance fraud and cheating increased, becoming the three major problems plaguing insurance companies Since 1980, China’s recovery of the domestic insurance business, the insurance business has made considerable development. Now there are three major insurance companies, PICC, Ping An Insurance Company and Pacific Insurance Company. As an economic compensation system, the insurance system has played an irreplaceable role in raising funds for disaster prevention and mitigation, rapidly supporting the recovery and development of production, ensuring the stability of society and people’s livelihood, reducing the burden of finance and credit, and relieving the pressure on civil relief expenditures The role of more and more people’s understanding and support. However, due to the relatively short recovery period and the imperfect system of insurance business in our country, the insurance market lacks effective legal norms. As the market is getting prosperous, some problems have appeared that plague the healthy development of the insurance business. At present, the main problems facing the insurance market are: