保险消费纠纷多元化解决机制探索研究【摘要】近年来，我国保险行业发展迅速，保费收入不断提高，但与此同时，保险消费纠纷案件的数量也在不断增长。而在解决保险纠纷的机制上，我国还并不完善，机制较为单一，以诉讼为主。面对日益增长的保险纠纷案件，我们急需寻求更加多元化的纠纷解决机制。本文基于保险消费纠纷，多元化地对解决机制进行探索研究。从我国保险纠纷现状、成因、特点出发，对我国现有保险纠纷解决机制进行系统分析，分析其在运行中存在的不足与弊端。通过研究国外优秀的保险纠纷解决机制事例，分析值得我国借鉴的经验与地方。并在完善保险合同与承保程序，优化非诉讼解决机制，完善和发展诉调对接机制三个方面，提出构建我国保险消费纠纷多元化解决机制的具体建议。【关键词】保险纠纷；消费纠纷；解决机制Research on the diversified settlement mechanism of insurance consumption disputes[Abstract]In recent years, China's insurance industry has developed rapidly, and the premium income has been increasing, but at the same time, the number of insurance consumption disputes is also growing. But in the mechanism of solving insurance disputes, China is not perfect, the mechanism is relatively single, mainly litigation. In the face of the increasing number of insurance disputes, we urgently need to seek more diversified dispute resolution mechanisms. Based on the insurance consumption disputes, this paper explores the solution mechanism in a diversified way. Based on the current situation, causes and characteristics of insurance disputes in China, this paper makes a systematic analysis of the existing insurance dispute resolution mechanism in China, and analyzes its shortcomings and disadvantages in operation. Through the study of foreign excellent insurance dispute resolution mechanism, this paper analyzes the experience and place that we can learn from by foreign mechanism. And in the three aspects of improving the insurance contract and underwrit...
