Analysis Of Credit System Construction In Chinese Insurance Industry

As a special means of redistribution of social products and economic compensation, insurance plays an important role in the contemporary economy. The basic principle of the insurance industry is "the principle of utmost good faith", this is the foundation of the insurance industry. Compared with other industries, the insurance industry has more stringent requirements on the "honesty". Domestic insurance industry developments rapidly. But a problem can't be ignored--the lack of insurance credit. Our people and most of insurance consumers are lack of credit awareness. The insurance subject is lack of credit. The entire insurance industry credit level is low. "Dishonesty" behavior not only damages the interests of the main insurance business activities, but also leads to the insurance market disorder, hindering the sustainable development of the insurance industry. The "honesty" has become the main contradiction between moral and economic interests. Making the insurance industry to develop healthily, we have to improve credit system, train credit consciousness, improve credit services, punish dishonest, reward honesty. Establish insurance credit system as soon as possible, build healthy and orderly, efficient and harmonious, honest and trustworthy social order, realize the Chinese dream of the insurance industry.This thesis is divided into six chapters. The first chapter is the introduction, which mainly elaborates the research background, purpose and significance. From the two aspects of domestic and abroad, history and theory development of the insurance industry credit system performs a read, analyze, organize and refine proposed specific research methods and theoretical innovation of this article for article research framework has been shown and briefly. The second chapter describes the close relationship between credit and insurance, and a detailed analysis of the "Credit insurance" and "Insurance Credit System" of these two concepts. The insurance credit system of great practical significance is discussed. The third chapter analyzes the existing problems in the insurance industry, and finds out the main problems are the lack of insurance credit. By case analysis, the New China Insurance complaints management as the starting point, analyzes the reasons for the lack of credit insurance from the perspective of macro and micro credit management system:lack of social trust, the insurance industry is not perfect, credit evaluation, evaluation intermediary agent business, illegal distortion of insurance consumer credit consciousness etc.. The fourth chapter analyzed the current development of the insurance industry at home and abroad and the credit system construction, the construction of insurance credit system in developed countries of Britain and the United States, Japan and Germany are the depth of analysis, from the insurance supervision, industry self-regulation, credit rating and other aspects to find out the similarities and differences between them, and then find out the influence on the establishment of sound the insurance industry credit system model in China and its enlightenment. The fifth chapter puts forward the idea of the development of insurance credit system suitable for China's national conditions by taking the New China insurance as an example. From improving the internal management mechanism, standardize agent behavior, strengthen the construction of the corporate culture of integrity, improve the service quality level, consumer credit behavior standard insurance, establish credit insurance laws and regulations and other aspects of the significance of the construction of insurance credit system, from the implementation of the credit construction, insurance companies insurance government credit construction, insurance industry integrity and the integrity of culture education the construction, insurance, insurance industry credit system credit information system construction proposal. The sixth chapter is the main conclusions and suggestions. This chapter summarizes the previous chapters, and draws the conclusion that the construction of the insurance credit system in our country.