保險誠信的思考外文翻譯

AboutinsuranceintegrityThoughtsAbstract:CredibilityisthethreatofinsurancetheinsuranceindustryandeventhesurvivaloftheGovernmentoftheintegrityandgoodfaithanimportantfactorinsociety;theprincipleofgoodfaithareimportantprinciplesofinsurancebusiness,insurancehonestyrequires,firstofalltheinsurancepeopletodotheutmostgoodfaith,utmostgoodfaithistheinsurer'scodeofethics;honestpolicyholdersareandtheinsuredperson'sbasiclegalnormsandnormativeacts;tosetupmutualtrustbetweenthepartiesinsurancemechanisms,topromotepositiveinteraction.KeyWords:IntegrityInsurance,Principleofgoodfaith,Insurers1.HonestyinsuranceinsuranceindustryareathreattothesurvivalofsocietyandeventheGovernment'sintegrityandcredibilityofimportantfactorsInsurancefaithsocietyareanimportantcomponentofgoodfaith,insurancecredibilitytheoryareforboth,butwouldliketoemphasizethecredibilityoftheinsuranceindustryAtpresent,thepartofinsurancecompaniesandinsurancestaffhasseriouslyaffectedthecredibilityoftheinsuranceindustry'simageandhealthydevelopment.Itcanbesaidthattheimpactofthegrowthoftheinsuranceindustry,firstofall,insteadofinsuranceproductinnovation,nottheinsuranceprovisionsofOverlord,butinsurancebadfaith.Insurancebadfaithgreatlysuppressthepotentialofinsurancedemand,hinderedthepotentialofinsurancedemandintorealdemandforinsurance.AlthoughthetotalnumberofChineseGDP,insurancedepth,insurancedensityindicators,China'sinsuranceisaquestionofgolddigging,butthedevelopmentofchaoschaosMiningaveryseriousproblem,insuranceresourceshavebeendestroyed,andtheexcavationitselfinrecentyearsshowingaslowingmomentum.Morestronglywordedandthattheproblemhasalreadythreatenedtheintegrityofthefoundationoftheinsuranceindustry.Intheeyesofordinarypeople,andnowtheinsuranceindustry'spoorreputation,somepeopleeveninsurancemarketingandpyramidschemesequate.Iftheyareallowedtoaffecttheintegrityofthephenomenonofinsurancecontinues,thesurvivaloftheinsuranceindustryitselfwillbechallenged.Cutopenthesurfaceofprosperity,theinsuranceindustrycrisis-ridden.Ifyoudonotenhancethecredibilityoftheinsuranceindustry,thesurvivaloftheindustryasawholewillbedestroyedthefoundationofasolareclipse,theinsuranceitselfwillceasetoexistTheinsuranceindustryitselfisalsoattachedtothehumankindofthenaturalcharacteristicsofmessenger.Andifaso-calledangelkindofpeoplealwaysbringloss,doubt,deceptionandloss,itwouldbeonindividualsandthewholesocietythepositivevaluesandbeliefsystemshaken.Thelongrun,willnotonlylackofgoodfaith,butmissingthewholecommunityoffaithandconfusion.Ifthemutualdistrustbetweenpeoplealwaystakeprecautions,peoplecannotfindthecorrectorientationofbelief,andthatHesetupaharmonioussocietytotalkaboutthisdayCredibilityisthelifebloodoftheinsuranceindustry,honestyisnotonlytheimpactofdevelopmentoftheinsuranceindustry'sproblem,butalsoaffecttheinsuranceindustryofthefutureplansexist.InsuranceorsocialintegrityandcredibilityofgoodfaithanimportantfactorintheGovernment.ItrelatestotheGovernment'simageandsocialstabilityandharmonyofthesocietysetup.Weshouldstartfromthesurvivalofasenseofcrisistounderstandtheintegrityofinsurance.Onlyinthiswayfromtheideologyandbehaviorisarealemphasisontheintegrityofinsurance.2.Insuranceprincipleofgoodfaithofthepeoplefirstofall,asktheinsurertotheutmostgoodfaithGenerallyspeaking,theinsurancerequirementsofgoodfaithinsuranceMingchengpartiesandtrustworthy,theprincipleofgoodfaithareinsuranceactivitiesshouldcomplywiththebasicprinciples.Intheinsuranceactivities,itisneitherpossibletorequirealloftheinsuredareorwillbecomeaninsuranceexpert,butalsocannotrequireinsurancecoverageofpeopleofallobjectshaveaverythoroughandmeticulous,whichisinsuranceinformationasymmetry.Asaresultofthisinformationasymmetry,intheinsuranceactivitiesofthepartiestodetermineriskaredependentoneachother'struthfullyinformordescription,ofanypartytoconcealmentorfraud,itmightleadtomisjudgmentssufferThisshowsthatthedegreeofintegrityofinsuranceisofparticularimportance,thereforetheprincipleofgoodfaithininsurancehas"theutmostgoodfaith"principleisknownBecauseoftheprofessionalismoftheinsuranceindustry,andmanyjargonterms,andinsurancecontractsandproducts,oftenbyinsurancecompanies,"production",theinsurancepeoplewillnaturallyshareanumberofnaturaladvantages.Inthisway,thefirstprincipleofgoodfaithbyrequiringinsurerstohonestandtrustworthy,andshouldbethehighestdegreeofhonestyandtrustworthiness.To"themasses"do,"cadres"wouldbethefirsttodosobutalsotodothebest.Insurancemustbeobjective,notonlypeopleontheutmostgoodfaith,butalsoshouldbeofutmostgoodfaithsubjective.Theprincipleofutmostgoodfaithshouldbetheinsurer'scodeofethics,andinsuranceshouldbepeopleofintegrityarethehigheststandardsofintegrityandrealm.Insurancerequirementsoftheirownpeopleshouldbeidealismandperfectionism.Thisrequiresthattheinsurancepeopletodointhefollowingareas:Atthis,theinsurancepeopleshouldcarryoutthisobligationandnotjustunlimitedaskedthis,ifinfactthesubjectofriskandinsurancestatusoftherelevantfactsaretruthfullyinformobligations.Allmattersrelatingtoinsurance,thetermsandterminologyandsomustbehonesttotellorexplaintothepolicyholder,butalsotobemadeknowntoall,attitude.Bothcomprehensiveandprofound,butalsointheinterpretationofinsurancepoliciesasmuchaspossiblesothatpopularizationpopularizationor,insomeeasilyleadtoambiguityandcontroversyshouldbethetermsonwhichtheNotes,someverycrucialelementssuchasthesurrenderlosseshavehighlightedshouldbe.Intheinsurancepublicitytoseektruthfromfacts,notexaggerated,notonlysaidgoodside,butdeliberatelyignoredinfavoroftheinsuredandtheinsurer'sside.Unfortunately,thecurrentinsurancelegislationsimplyprovidestruthfullyinformtheinsuredobligationsandthebreachofthisobligationshouldbetheresponsibilityofthepersonwithouttheprovisionsoftheinsuranceobligationtotruthfullyinformaswellasfailuretofulfillthisobligationshallbearlegalresponsibilities.Thismaybetheinsurancepeopleareoftheutmostgoodfaithtotruthfullyinformoneofthereasonswhynotpayenoughattentiontoit.TrustaftertheInsuranceActinthisregardwillmakesomeamendmentsTheperformanceofthecontractintheinsuranceprocess,toactivelyassisttheinsuredandtheinsuredpersondoagoodjobofsafetyprecautionstoavoidorreducethedamagehappened.Insurancepeoplewouldliketoremindpolicyholderstopaypremiumsinatimelymanner.Thedelayinunpaidpremiums,andtheremindertotakethenecessarymeasuresandgraceAttheaccidentorinsurancepolicytomeetthetermsagreed,theinsurancepeopleshouldbeinaccordancewiththecontractualagreementtocarryoutthecompensationinfullandontimepaymentsorobligations,tominimizethelossoftheinsuredperson.3.PrincipleofgoodfaithofthecustomersareabasiclegalnormsandnormativeactAlthoughtheinsuranceprincipleofgoodfaithprincipleisatwo-way,butbecauseofinsuranceprofessionals,aswellaslimitedtimeandenergypolicyholdersortheabilitytounderstandthecauses,oftenattheunderstandingofinsuranceinformationtoidentifyandaccessatadisadvantage,thereisdeviation.Mostpolicyholdersareoftenunabletoaccuratelyinformshouldnotalso,non-shouldnotdoso.Maybeinsuredandtheinsuredpersoningoodfaithinsurancepeoplewantto"talk"butdonotknowwhattosay.Soeventhoughtheywanttoimizethesubjectivegoodfaith,butthesubjectivegoodfaithwiththelargestinsurerofthegreatestsatisfactionthereisstillacertaingapintheutmostgoodfaith.Sointermsofcustomers,dotheutmostgoodfaithhasacertain"technical"difficulty.Ifweaddsomepolicyholdersandtheinsuredperson'ssubjectiveattitudeproblem,thentheinsurancepeopletoachievethesatisfactionoftheutmostgoodfaithisalmostimpossible.Basedonthis,insuranceontheinsuredpersonandtheinsuredpersonshouldberealistic,ratherthanidealismandperfectionism,thepolicyholdercanonlyrequestinformationrelativeintegrityandtherelativesatisfactionwiththeresults.Legislationincountriessuchasinsurancefortheinsuredandtheinsuredpersontruthfullyinformed,manyofwhichareaskedtoadoptthisformoflegislation.Generalinsurancepolicyholdersonlypersonthesubjectofinsurancetheinsuredpersonorthesituationofinquirytruthfullyinformedthattheinsurancepeoplearenotaskedaboutthesituation,noneedtoinformtheinsuredTherefore,insurersmustfocusonhowtoachievethemostbasicinsuredorguaranteedtheintegrityefforts.Provisionsintheinsurancepolicyisdesignedtocloselyco-ordinated,clearandunderstandableaspossible,toenablecustomerstoexpresstheirrealinformation,tobeabletofacilitatethecustomerstoexpresstheirrealinformation;ininsurance,underwriting,claimssurveyonvariousaspectenoughtosetuptoensurethatallrelevantcustomerinformationtrueofcertainrulesandmechanisms.4.Setupamechanismofmutualtrust,promotepositiveinteractionOnthecurrentinsuranceontheinsuredperson'sattitude,itisfilledwithacertaindegreeofmistrust.Lotofinsurancefromthetermsofthecontractofinsurancecanbeseeninpersonsuchanattitude.Insurancepolicyholderswillbepeoplealwaysworryaboutadverseselectionandmoralhazard,alwaysworriedthattheymaynotaccuratelyinformed.Therefore,thetermsofU.S.policyasanti-theftdoor,likethedesign,butalsocontinuouslyupgradethesystemtoplugtheloopholes.ThecurrentU.S.insurancelawwillalsobeinsuredasthetreatmentofcriminalsuspects,andonlyonthepolicyholderfailstofulfillobligationstotruthfullyinformthepunitiveprovisions,nopersonontherelevantprovisionsoftheinsurance,whichrequiredtheinsuredtobearthelegalconsequencesofpunitiveformedinsharpcontrast.ThisislegislativeinjusticeandinequalityOnthecurrentinsuranceontheinsuredperson'sattitude,itisfilledwithacertaindegreeofmistrust.Lotofinsurancefromthetermsofthecontractofinsurancecanbeseeninpersonsuchanattitude.Insurancepolicyholderswillbepeoplealwaysworryaboutadverseselectionandmoralhazard,alwaysworriedthattheymaynotaccuratelyinformed.Therefore,thetermsofU.S.policyasanti-theftdoor,likethedesign,butalsocontinuouslyupgradethesystemtoplugtheloopholes.ThecurrentU.S.insurancelawwillalsobeinsuredasthetreatmentofcriminalsuspects,andonlyonthepolicyholderfailstofulfillobligationstotruthfullyinformthepunitiveprovisions,nopersonontherelevantprovisionsoftheinsurance,whichrequiredtheinsuredtobearthelegalconsequencesofpunitiveformedinsharpcontrast.ThisislegislativeinjusticeandinequalityTherefore,thepartiessetuptheinsurancemechanismformutualtrust,promotepositiveinteractionbetweenthetwosidesisparticularlyimportant.Peoplefromtheinsurancepointofview,theinsurermustsetaside,shouldnotcondescending,shopbigbullyownerstomarketeconomy,equalsubjectsofidentityandrelationswithclients;toestablishasustainablescientificdevelopmentconcept,putanendtoshort-termbenefitsandpartialbenefitsofinterference;insurancepeopletoreducetheirownmisleadingofthecustomertoeliminatemisunderstanding;setupagoodexternalpublicrelations,tocustomersthroughmultiplechannelsandcommunication.關于保險誠信的思考摘要:保險誠信是威脅保險業(yè)甚至政府誠信和社會誠信的重要因素;誠信原則是經營保險業(yè)的重要原則,保險誠信最主要是保險人做到良好誠信,良好誠信是保險人的道德準則;誠信是投保人和被保險人的基本的法律準則和行為規(guī)范;要在保險雙方之間建立互信的機制,促成良性互動。關鍵詞保險誠信誠信原則保險人1保險誠信缺失是威脅保險甚至政府誠信和社會誠信的重要因素保險誠信是社會誠信的重要組成部分,保險誠信理論上說是對雙方而言的,但這里要著重強調保險企業(yè)的誠信問題。目前,部分保險企業(yè)和員工的保險誠信問題嚴重影響了保險業(yè)的形象和健康發(fā)展?？梢哉f,影響保險業(yè)發(fā)展壯大的,首先不是保險產品的創(chuàng)新、不是保險霸王條款,而是保險的不誠信。保險的不誠信極大地打壓了潛在的保險需求,阻礙了潛在的保險需求轉化為現(xiàn)實的保險需求。雖然從中國GDP的總量、保險深度、保險密度等指標來看,中國的保險是一座待開挖的金礦,但亂開亂挖的現(xiàn)象十分嚴重,保險資源被破壞殆盡,而且挖掘本身在最近幾年呈現(xiàn)出速度放緩的勢頭。更為言重地說,誠信問題已經威脅到了保險行業(yè)的根基。在老百姓的心目中,現(xiàn)在保險行業(yè)的信譽度很差,有些人甚至將保險營銷和傳銷等同起來。如果任一些影響保險誠信的現(xiàn)象持續(xù)下去,保險行業(yè)本身的生存都會受到挑戰(zhàn)。剖開表面的繁榮,保險業(yè)內危機重重。如果不提升保險業(yè)的誠信,整個行業(yè)的生存根基將會受到摧蝕,保險本身將不復存在。保險業(yè)本身還附有人類善良使者的天然特性。而如果一個所謂的善良天使帶給人的總是失落、懷疑、欺騙和損失,那將是對個人乃至整個社會的正面價值觀和信仰體系的動搖。長此以往,將不僅僅是誠信的缺失,而是整個社會信仰的缺失和迷惘。如果人與人之間總是互相猜忌防范,人們找不到信仰的正確取向,那和諧社會的建立何日能談起呢。誠信是保險業(yè)的生命線,誠信不僅是影響保險業(yè)發(fā)展的問題,更是影響到保險業(yè)存在的千秋大計。保險誠信還是社會誠信和政府誠信的重要因素。它關系到政府的形象、社會的穩(wěn)定與和諧社會的建立。我們應該從生存的危機意識來認識保險誠信。只有這樣,才是從思想上和行為上真正重視保險誠信。2保險誠信原則首先要求保險人的最大誠信一般而言,保險誠信要求保險的各方當事人明誠守信,誠信原則是保險活動應當遵守的基本原則。在保險活動中,既不可能要求所有的投保人都是或者都會成為保險專家,也不可能要求保險人對所有的承保對象都掌握得很細致透徹,這就是保險的信息不對稱性。由于這種信息的不對稱性,在保險活動中,當事方對風險的判斷均依賴于對方的如實告知或說明,任何一方的隱瞞或者欺詐,就有可能導致對方判斷失誤而深受其害。由此可見,誠信的程度對保險具有特別重要的意義,所以保險中的誠信原則有“最大誠信”原則之稱。由于保險行業(yè)的專業(yè)性強,行話術語多,而且保險合同和產品往往由保險公司“生產”,保險人自然會占有一些天然優(yōu)勢。這樣,誠信原則首先要求保險人誠實守信,而且應該是最大程度的誠實守信。要“群眾”做到的,“干部”要首先做到而且要做得最好。保險人不僅要做到客觀上的最大誠信,更應該是主觀上的最大誠信。最大誠信原則應該是保險人的道德準則,保險人的誠信應該是