我国商业保险经营过程中的诚信问题程序.doc

我国商业保险经营过程中的诚信问题 学生姓名 院系名称 专业名称 班 级 学 号 指导教师 我国商业保险经营过程中的诚信问题 学生姓名： 指导教师： 内容摘要：我国商业保险发展非常迅疾，保险公司林立，保险作为保障安全、规避风险的经济产品正广泛地普及和推广，在我国商业保险的经营中，涉及的人员关系复杂，保险销售人员扮演了重要的绝色，但是因为保险从业人员良莠不齐、保险公司发展的不平衡性，以及保险市场还不是完全规范，导致保险销售人员、保险投保人等各方出现诚信缺失的问题，一方或多方出于自身的利益考虑，有意违背他方的利益，不合理履行应当的义务和责任，为保险他方带来损失，造成保险合同失去应有的法律的效力。这是需要规避的，本文从保险诚信问题的角度，论述并说明保险当事人各方需要从诚实守信的角度出发，从保险市场正规有效运营的角度出发，切实履行自己的责任和义务，为我国商业保险的健康有序发展保驾护航。 关键词：商业保险 经营现状 诚信原则 Creditbusines processof commercialinsurance in China Abstract: the development of commercial insurance in China is very rapid, the insurance company is bristly, insurance as a security, to avoid the risk of economic products are being widely popularized, in the commercial insurance business in our country, the personnel relationship is complex, the insurance marketing personnel played a big beauty, but because the insurance practitioners uneven, some good and some bad, the insurance company development imbalance, and the insurance market is not fully standardized, resulting in insurance sales, insurance policy holders and other parties have the problems of lack of honesty, the party or parties for their own interests, deliberately against others, unreasonable obligation and responsibility should be, bring loss for an insurance elsewhere, effect the insurance contract without due legal. This is to be avoided, the insurance good faith question angle, discusses and explains the insurance parties need to proceed from the angle of honesty and trustworthiness, starting from the insurance market normally effective operation point, earnestly fulfill their responsibilities and obligations, for commercial insurance in China a healthy and orderly development of escorting. 关键词：商业保险 经营现状