保险经营中的法律诉讼问题及对策研究

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。

The number of lawsuits in insurance operation is on the increase in recent years, which has a major negative impact on the industry. It damages the industry＇s public image, affects market order, increases operational cost, undermines profitability, restricts risk spread and affects the insurance industry to play its due role. The major reasons for the occurrence of lawsuits are that insurer＇s internal control is inadequate, the external insurance consumption environment gets more complicated, design of some insurance products are not foolproof, and the legal environment and insurance practices are not compatible. In response to this situation, insurance companies should strengthen their fundamental basis, improve on the relevant legal mechanism, further enhance insurance-related legislation and the regulation system, and strengthen insurance knowledge education and publicity.