财产保险理赔论文.docVIP

摘 要 随着经济的飞速发展，我国财产保险业发生了巨大的变化，不仅促进了经济的发展，还维护了社会的稳定。但我国财产保险业还存在着很多问题，最引人关注的就是理赔问题。财产保险给众多保户留下“投保容易、理赔难”的印象，这严重影响了我国财产保险业的健康发展。 本文针对当前财产保险理赔问题分四部分论述。首先，对财产保险理赔进行简要概述；其次，从偿付能力和赔付状况分析财产保险理赔的现状；再次，从投保人、保险公司、保险监管部门三方面分别对我国财产保险理赔所存在问题进行分析；最后，提出解决财产保险理赔问题的建议，期望对财产保险理论与实践有所裨益。 关键词：财产保险；理赔；偿付能力；赔付率 Abstract As the rapid growth of economics, huge changes have taken place in China property insurance industry which promotes the economic development and maintains the social stability. However, there are still many questions existing in China property insurance industry and the most attractive one is the settlement of claims. Most customers have an impression of “easy to insure, difficult to claim” in their opinion which critically influences the healthy development of property insurance industry. This paper discourses current property insurance claims in four parts aiming at such phenomenon. First of all, it gives a brief introduction of property insurance claim; the second, it analyzes the current property insurance situation from the solvency and recovery situation; once more, it makes an assay of the problems existing in China property insurance industry from the points of the insured, the insurance agents and the insurance supervision department; finally, it gives advices to the solution of the China property insurance claim problems expecting to give benefits to theory and practice of property insurance. Key Words: Property Insurance; Settlement Claims; Solvency; Loss Ratio 目 录 引 言 1 1 财产保险理赔概述 2 1.1 财产保险理赔原则 2 1.2 财产保险理赔流程 2 1.3 完善财产保险理赔的意义 3 1.4 新保险法对财产保险理赔的影响 4 2 财产保险理赔现状分析 7 2.1 财产保险公司偿付能力 7 2.2 财产保险公司赔付状况 9 3 我国财产保险理赔存在问题分析 13 3.1 投保人方面 13 3.1.1 保险认知水平较低 13 3.1.2 骗保 14 3.2 保险公司方面 15 3.2.1 保险人员素质低且缺乏专业人才 15 3.2.2 拖赔、惜赔与无理拒赔 16 3.2.3 不合理赔付 17 3.3 保险监管方面 17 3.3.1 监管透明度低 18 3.3.2 法规不健全 18 4 完善财产保险理赔的建议 19 4.1 提高投保人素质并增强法律意识 19 4.1.1 提高保险认知水平 19 4.1.2 正确对待保险理赔 19 4.1.3 增强法律意识 20 4.2 提高员工素质并完善公司管理 20 4.2.1 提高员工素质 20 4.2.2 加强承保管理 21 4.2.3 严把理赔关 21 4.3 加强保险监管 22 4.3.1 建立统