保险诚信的思考外文翻译

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.关于保险诚信的思考摘要:保险诚信是威胁保险业甚至政府诚信和社会诚信的重要因素;诚信原则是经营保险业的重要原则,保险诚信最主要是保险人做到良好诚信,良好诚信是保险人的道德准则;诚信是投保人和被保险人的基本的法律准则和行为规范;要在保险双方之间建立互信的机制,促成良性互动。关键词保险诚信诚信原则保险人1保险诚信缺失是威胁保险甚至政府诚信和社会诚信的重要因素保险诚信是社会诚信的重要组成部分,保险诚信理论上说是对双方而言的,但这里要着重强调保险企业的诚信问题。目前,部分保险企业和员工的保险诚信问题严重影响了保险业的形象和健康发展。可以说,影响保险业发展壮大的,首先不是保险产品的创新、不是保险霸王条款,而是保险的不诚信。保险的不诚信极大地打压了潜在的保险需求,阻碍了潜在的保险需求转化为现实的保险需求。虽然从中国GDP的总量、保险深度、保险密度等指标来看,中国的保险是一座待开挖的金矿,但乱开乱挖的现象十分严重,保险资源被破坏殆尽,而且挖掘本身在最近几年呈现出速度放缓的势头。更为言重地说,诚信问题已经威胁到了保险行业的根基。在老百姓的心目中,现在保险行业的信誉度很差,有些人甚至将保险营销和传销等同起来。如果任一些影响保险诚信的现象持续下去,保险行业本身的生存都会受到挑战。剖开表面的繁荣,保险业内危机重重。如果不提升保险业的诚信,整个行业的生存根基将会受到摧蚀,保险本身将不复存在。保险业本身还附有人类善良使者的天然特性。而如果一个所谓的善良天使带给人的总是失落、怀疑、欺骗和损失,那将是对个人乃至整个社会的正面价值观和信仰体系的动摇。长此以往,将不仅仅是诚信的缺失,而是整个社会信仰的缺失和迷惘。如果人与人之间总是互相猜忌防范,人们找不到信仰的正确取向,那和谐社会的建立何日能谈起呢。诚信是保险业的生命线,诚信不仅是影响保险业发展的问题,更是影响到保险业存在的千秋大计。保险诚信还是社会诚信和政府诚信的重要因素。它关系到政府的形象、社会的稳定与和谐社会的建立。我们应该从生存的危机意识来认识保险诚信。只有这样,才是从思想上和行为上真正重视保险诚信。2保险诚信原则首先要求保险人的最大诚信一般而言,保险诚信要求保险的各方当事人明诚守信,诚信原则是保险活动应当遵守的基本原则。在保险活动中,既不可能要求所有的投保人都是或者都会成为保险专家,也不可能要求保险人对所有的承保对象都掌握得很细致透彻,这就是保险的信息不对称性。由于这种信息的不对称性,在保险活动中,当事方对风险的判断均依赖于对方的如实告知或说明,任何一方的隐瞒或者欺诈,就有可能导致对方判断失误而深受其害。由此可见,诚信的程度对保险具有特别重要的意义,所以保险中的诚信原则有“最大诚信”原则之称。由于保险行业的专业性强,行话术语多,而且保险合同和产品往往由保险公司“生产”,保险人自然会占有一些天然优势。这样,诚信原则首先要求保险人诚实守信,而且应该是最大程度的诚实守信。要“群众”做到的,“干部”要首先做到而且要做得最好。保险人不仅要做到客观上的最大诚信,更应该是主观上的最大诚信。最大诚信原则应该是保险人的道德准则,保险人的诚信应该是