Study On The Resolution Mechanism Of Insurance Consumption Disputes In Shanxi Province

China's insurance industry is playing an increasingly important role in the national economy.However,due to the relatively complicated rules and high amount of money involved in insurance,insurance consumption disputes are frequent and insurance consumption complaints continue to grow.In recent years,the insurance regulatory authorities have continued to strengthen the protection of the legitimate rights and interests of insurance consumers,improved various systems and mechanisms,and promoted the resolution of insurance consumer disputes,which has achieved remarkable results.However,at present,insurance consumer disputes still face problems such as consumers' unwillingness to litigate,Regulators,the media and other departments are involved but have no right to adjudicate,the case is not easy to be clarified,and there are problems during petitions and revisits.the protracted dispute of insurance consumption is disadvantageous to individual consumers,insurance institutions and even the whole society.This paper first defines the concept of insurance consumption disputes,delimits the scope of research,and analyzes the main types and characteristics of insurance consumption disputes in Shanxi Province,so as to prepare for the treatment of insurance consumption disputes.Then it studies the various insurance consumption dispute resolution mechanisms in Shanxi Province,explains the specific situation of each resolution mechanism,and illustrates the problems existing in the dispute resolution mechanism as a whole.On the basis of combing the insurance dispute resolution mode of other countries with relatively mature insurance market and the reform situation of some regions in China,this paper put forward the idea of improving the resolution mechanism of insurance consumption disputes in line with the actual situation.The first is to establish a diversified but orderly pattern of resolution of insurance consumption disputes through the introduction of higher-level laws and regulations;the second is to furtherimprove the basic mechanism of direct negotiation between insurance institutions and insurance consumers;the third is to focus on improving the third-party non litigation dispute resolution mechanism in line with China's actual situation,so that the mechanism can play a more important role in resolving insurance consumption disputes The fourth is to promote the establishment of financial professional courts and improve the quality and efficiency of litigation procedures;the fifth is to promote the resolution of insurance consumption disputes by means of audio and video recording and other technical means.The improvement of the insurance consumer dispute resolution mechanism will be able to better protect the legitimate rights and interests of the vast number of insurance consumers,promote the sustainable and healthy development of the insurance industry and even the national economy,and be conducive to the realization of the national "two centenary goals".