[1]孙武军.我国保险业包容性增长与保险消费者权益保护关系研究[J].南京师大学报(社会科学版),2013,(04):049.
 SUN Wu-jun.Insurance Industry’s Inclusive Growth and Consumer Rights Protection[J].Journal of Nanjing Normal University (Social Science Edition),2013,(04):049.
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我国保险业包容性增长与保险消费者权益保护关系研究
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《南京师大学报》(社会科学版)[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2013年04期
页码:
049
栏目:
出版日期:
2013-07-25

文章信息/Info

Title:
Insurance Industry’s Inclusive Growth and Consumer Rights Protection
作者:
孙武军*
Author(s):
SUN Wu-jun
关键词:
保险业 包容性增长 权益保护
Keywords:
insurance industry inclusive growth rights protection
摘要:
保险业包容性增长是均衡、和谐、可持续性和与社会经济发展相统一的增长。而保险消费者权益保护与包容性增长相辅相成、密不可分,其是否得到有效保护是保险业能否实现包容性增长的关键,因而,在包容性增长的每个环节中必须努力保护保险消费者的权益。以我国保险业发展历程与现状为分析背景,梳理出侵害保险消费者权益的种种行为,并深入探讨了我国保险业包容性增长与消费者权益保护的相关关系,得出产生这些行为的深层次原因是监管缺位; 通过借鉴金融危机前后欧美金融消费者保护体系建设的经验,从我国保险业实际,提出了促进我国保险业包容性增长的保险消费者权益保护的政策建议。
Abstract:
The inclusive growth of insurance industry refers to a balanced, harmonious and sustainable growth, which is actually a kind of unified growth of social and economic developments. Insurance consumers’ rights and interests can be effectively protected when an inclusive growth is achieved in insurance industry. In this paper, we attempt to describe and explain the development of the insurance industry in China and the status of the existing practices against the interests of insurance consumers. We have found that the underlying cause for the infringements of insurance consumers’ rights is due to inadequate regulation and supervision over the industry. In the light of foreign experience and the reality of our country’s insurance industry, we put forward policy solutions to strengthen the protection of insurance consumers’ rights and interests and to promote the inclusive growth of China’s insurance industry.

备注/Memo

备注/Memo:
管理学博士,南京大学商学院副教授,210093。本文为国家自然科学基金项目“双边市场中企业竞争行为的理论与实证研究”(70972032)和国家社科重点项目“我国应对国际金融风险的对策研究”(08AJY029)的阶段性研究成果,并受江苏高校优势学科建设工程项目资助(PAPD)。
更新日期/Last Update: 2013-08-25