Research On The System Of Commercial Insurance Ombudsman In China

Commercial insurance has played an important role in the development of the society.It has the function of economic compensation,financing and social management.As the insurance industry continues to grow,insurance disputes are the number of disputes is increasing as the shadow follows the form,insurance,insurance consumers and insurance companies continued to upgrade the conflict intensified,commercial insurance disputes have become a major hinder the normal development of consumer protection and industry.The mechanism of diversified solutions to our current insurance disputes,including negotiation,arbitration,litigation and industry regulation,but the mechanism is different,the results are not the same,the traditional insurance dispute mechanism to a certain extent,and now can not adapt to the needs of the market economy,it is a long time,the high cost of rights rights restrictions on the settlement of insurance disputes,and justice has been questioned,not fully play its due role,how fair,efficient and low cost solution to the insurance disputes become the development of China's insurance industry problems to be solved.The insurance ombudsman is an independent third party,is committed to solve the insurance consumers and insurance companies disputes,which can maximize the maintenance of fairness and justice,to protect the legitimate rights and interests of insurance consumers,and can avoid repeated trial insurance disputes caused by the waste of resources,the maximum saving transaction costs.At the present stage of our country,the shortage of traditional insurance dispute resolution system has restricted the development of the industry to a certain extent,and the commercial insurance ombudsman system should be constructed.This paper analyzes the shortcomings of the existing system from three dimensions of fairness,efficiency and transaction cost,the core contents of the construction of the insurance ombudsman system in our country,and through literature analysis and comparative analysis research methods,comparative analysis of Financial Ombudsman in UK and China's Taiwan region dispute mechanism,and learn the advanced experience,and to construction of specific transplantation,put forward for the Chinese national insurance ombudsman system,provide some thoughts for insurance or solve the disputes in China.