新制度经济学视角下保险理赔难的原因与对策研究

Study on the Reasons and Countermeasures of the Difficulty of Claims Under the New Institutional Economics Perspective

保险理赔难近年已经成为消费者投诉的一个重点,制约中国保险业健康发展。通过使用制度经济学的方法,分析其原因主要就是理赔制度的不完善和监督制度的低效率。通过完善保险理赔和保险公估制度,建立全国信用征信体系等措施,有助于解决理赔难的问题,促进保险业的健康发展。

The difficulty of insurance claim is becoming an emphasis of consumer complaints,which has restricted the sound development of insurance.The methods of New Institutional Economics adopted are used to analyze the reasons,which are the imperfection of claim system,the inefficiecy of superintendent.So we must improve the relevant systems to solve the difficulty of settlement of claims.