保险业诚信缺失成因与治理

Causes of Insurance Insincerity and Its Control

我国保险业诚信缺失的主要成因是保险业恶性竞争、只求经济效益、忽视社会效益,以及保险管理制度不健全,保险代理人素质偏低,同时某些投保人的道德风险也造成负面影响。针对这些成因,应该从培养保险诚信文化、加强队伍建设、健全制度诸方面,采取综合措施治理,提高保险可信度,推进我国保险业健康发展。

The causes of insurance insincerity in our country lies, on one hand, mainly in its malignant competition, its only emphasis on economic profits while ignorance for the social benefit, its imperfect operating system and the low quality of its agents. On the other hand some insurants' insincerity has also played the negative influence on people. The paper therefore put forward such suggestions to develop a healthy insurance as training the insurance culture of sincerity, improving the quality of the contingent, perfecting the system and enhancing the comprehensive management.