论文部分内容阅读
近来,随着一系列保险“黑洞”的揭开,保险行业信用问题越来越成为人们关注的焦点,甚至有人断言:我国保险行业已到了最危险时刻,如果老百姓一起说“不”的时候,保险信用将顷刻崩溃。正确看待保险行业存在的各种问题,尽快构建保险诚信体系已势在必行。 一、建立保险诚信体系的必要性及现实意义 1.保险信用的特殊性 在金融产品和服务日益现代化的今天,保险信用已渗透到社会经济及人们生活的各个层面。作为一个特殊的金融行业,保险经营的根本原则是诚信原则,因而,保险信用有着许多区别于其他普通社会信用的显著特点。保险信用的特殊性主要体现在以下四
Recently, with the unveiling of a series of “black holes” in insurance, the issue of credit in the insurance industry has become the focus of attention. Some people even assert that the insurance industry in China has reached the most dangerous time. If ordinary people say “no” Insurance credit will collapse instantly. Correctly viewing the various problems existing in the insurance industry and establishing an insurance integrity system as soon as possible is imperative. I. The Necessity and Practical Significance of Establishing Insurance Credit System 1. The Particularity of Insurance Credit Today, with the increasingly modernized financial products and services, insurance credit has infiltrated all levels of society, economy and people’s life. As a special financial industry, the fundamental principle of insurance management is the principle of good faith. Therefore, insurance credit has many distinguishing features from other ordinary social credit. The particularity of insurance credit is mainly reflected in the following four