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近年来,保险经营过程中面临的法律诉讼呈日渐上升趋势,对保险行业产生较大的负面影响,如损害了行业形象,影响市场环境;增加了运营成本,影响效益水平;限制了风险分散,影响作用发挥。引起法律诉讼的原因主要有保险公司内部管控不到位;保险消费环境日趋复杂;部分保险产品条款设计不尽科学;法制环境与保险实践不够协调。针对这种情况,保险公司应加强基础建设;建立健全保险公司法律工作体制;进一步完善保险法律法规和依法监管体系;进一步加强保险知识的宣传教育和普及力度。
In recent years, the lawsuits in the course of insurance management are on the rise, which have a great negative impact on the insurance industry, such as damaging the industry image, affecting the market environment, increasing the operating costs and affecting the profitability, limiting the risk diversification, Impact of play. The causes of lawsuit are mainly because the internal control of insurance companies is not in place; the environment of insurance consumption becomes more and more complicated; the design of some insurance products is not scientific; the coordination of legal environment and insurance is not enough. In response to this situation, insurance companies should strengthen infrastructure; establish and improve the insurance company legal system; further improve the insurance laws and regulations and legal supervision system; to further strengthen the insurance knowledge of education and popularization efforts.