新《保险法》对寿险业的挑战及应对策略  

Analysis on Challenge to Life Insurance Brought by New "Insurance Law" and Countermeasures

作　　者：刘玉焕[1] 方荣军[1] 

机构地区：[1]南京审计学院金融学院,江苏南京211815

出　　处：《金融发展研究》2010年第5期79-82,共4页Journal Of Financial Development Research

摘　　要：新《保险法》中免责条款明确告知的规定、不可抗辩条款的出台、理赔时效的限定,给寿险公司带来死差损和费差损风险。为防范死差损风险,寿险公司应培训核保和核赔人员,调整业务员佣金发放比例,明确核保期责任归属。为防范费差损风险,寿险公司应加强与医院、同业的合作,完善保全服务,成为马太效应的多极。保险监管部门应调整"重规模轻效益"的考核标准,建立保险客户信息系统,将恶意骗保者列入"黑名单",并编制新的生命表。The introduction of incontestable clause, exclusions clause and the limited regulation about settlement of claims may bring risk of mortality loss and fee loss to life insurance company.In order to defend mortality loss, the life insurance company should motivate the staff of Underwriting Centre and Claim Centre.Besides that, she should adjust the proportion of commission during the period of insurance and regulate the liablility during underwriting period definitely.In order to defend fee loss, the life insurance company should strengthen the cooperation with hospitals and other life insurance companys ,moreover, she should raise the quality of service.So that can become the more side in Matthew Effect. CIRC should improve the current merit system and establish credit index in insurance industry and make a new life table.

关 键 词：不可抗辩条款 免责条款 死差损 费差损 

分 类 号：F840.62[经济管理—保险]