人身保險(xiǎn)銷(xiāo)售誤導(dǎo)法律問(wèn)題研究

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1、密級(jí)：學(xué)校代碼：10075分類(lèi)號(hào)：學(xué)號(hào)：20100108法學(xué)碩士學(xué)位論文人身保險(xiǎn)銷(xiāo)售誤導(dǎo)法律問(wèn)題研究學(xué)位申請(qǐng)人：程娜娜指導(dǎo)教師：趙金龍教授學(xué)位類(lèi)別：法學(xué)碩士學(xué)科專(zhuān)業(yè)：經(jīng)濟(jì)法學(xué)授予單位：河北大學(xué)答辯日期：二○一三年六月ClassifiedIndex:CODE:10075U.D.C:NO:20100108ADissertationfortheDegreeofM.LawLifeinsurancesalesmisleadinglegalproblemresearchCandidate:ChengNanaSupervisor:Prof.ZhaoJi

2、nlongAcademicDegreeAppliedfor:MasterofLawSpecialty:EconomicLawUniversity:HebeiUniversityDateoforalexamination:June,2013摘要摘要隨著人身保險(xiǎn)市場(chǎng)的不斷發(fā)展，保險(xiǎn)產(chǎn)品的專(zhuān)業(yè)性和復(fù)雜性也越來(lái)越強(qiáng)，導(dǎo)致很多消費(fèi)者不能準(zhǔn)確解讀保險(xiǎn)產(chǎn)品責(zé)任及其合同條款，再加上保險(xiǎn)營(yíng)銷(xiāo)人員在銷(xiāo)售過(guò)程中未能充分履行“明確說(shuō)明”的義務(wù)，造成消費(fèi)者對(duì)銷(xiāo)售誤導(dǎo)的投訴在整體保險(xiǎn)投訴中所占的比例逐年上升，治理銷(xiāo)售誤導(dǎo)的任務(wù)也就越來(lái)越重。針對(duì)人身保險(xiǎn)銷(xiāo)售誤導(dǎo)問(wèn)題，

3、中國(guó)保險(xiǎn)監(jiān)督管理委員會(huì)提出，要把治理人身保險(xiǎn)銷(xiāo)售誤導(dǎo)作為近期工作重點(diǎn)，加大查處力度，建立長(zhǎng)效機(jī)制。并于2013年1月1日起實(shí)行《人身保險(xiǎn)銷(xiāo)售誤導(dǎo)行為認(rèn)定指引》和《人身保險(xiǎn)公司銷(xiāo)售誤導(dǎo)責(zé)任追究指導(dǎo)意見(jiàn)》。從中，我們看到了監(jiān)管部門(mén)根治銷(xiāo)售誤導(dǎo)的決心和力度，也看到了一個(gè)更加規(guī)范健康，和諧有序的人身保險(xiǎn)行業(yè)發(fā)展新環(huán)境的到來(lái)。本文從人身保險(xiǎn)銷(xiāo)售誤導(dǎo)的基礎(chǔ)理論出發(fā)，結(jié)合實(shí)際情況，對(duì)人身保險(xiǎn)銷(xiāo)售誤導(dǎo)的法律問(wèn)題進(jìn)行分析研究，做出了人身保險(xiǎn)銷(xiāo)售誤導(dǎo)行為認(rèn)定標(biāo)準(zhǔn)、治理人身保險(xiǎn)銷(xiāo)售誤導(dǎo)系列監(jiān)管制度，在突出抓好公司自查自糾，加大銷(xiāo)售誤導(dǎo)違法行為查處力度的同時(shí)，創(chuàng)

4、新多項(xiàng)舉措綜合治理人身保險(xiǎn)銷(xiāo)售誤導(dǎo)問(wèn)題。關(guān)鍵詞人身保險(xiǎn)治理銷(xiāo)售誤導(dǎo)誠(chéng)信原則保監(jiān)會(huì)IAbstractAbstractWiththecontinuousdevelopmentoflifeinsurancemarket,insuranceproducts,professionalandcomplexityisbecomingmoreandmorestrong,leadtomanyconsumerscannotaccuratelyreadingofproductsliabilityinsuranceandthetermsofthecontract

5、,plustheinsurancemarketingpersonnelinthesalesprocessfailedtoadequatelytofulfiltheobligationinthe"specify",causeconsumercomplaintsofmisleadingsalesproportioninthewholeinsurancecomplaintsrisingyearbyyear,governancemisleadingsalestaskisheavier.Accordingtopersonalinsurancesal

6、esmisleadingproblem,theChinainsuranceregulatorycommission,thegovernancelifeinsurancesalesmisleading,asrecentfocus,strengtheninvestigation,setupalong-termmechanism.AndonJanuary1,2013"lifeinsurancesalesmisleadingthatguidebehavior"and"personalinsurancecompanymisleadingsalesr

7、esponsibilityguidelines".Fromwhich,weseetheradicalsalesmisleadingregulatorsofdeterminationandstrength,alsoseeamoreformalhealth,harmoniousandorderlylifeinsuranceindustrydevelopmentthearrivalofthenewenvironment.Thisarticleembarksfromthebasictheoryofthelifeinsurancesalesmisl

8、eading,combinedwiththeactualsituation,misleadingofpersonalinsurancesalesanalysisandresearchonthe