First, the relationship between insurance parties.
The relationship between the insurance parties refers to the mutual relationship between the insurer and the applicant, the insured and the insurance beneficiary due to the exchange of insurance commodities. As the main body of the insurance commodity business, the insurer forms a certain socio-economic relationship with customers in the process of providing insurance commodity services to the insured or the insured, that is, the commodity exchange relationship. The bond linking the rights and obligations of the insurance parties is the insurance contract. The relationship between the insurance parties determined in the insurance contract is a legal relationship. Insurance legal relationship is the manifestation of insurance economic relationship and the basis of insurance legal relationship.
Second, the relationship between insurance parties and insurance intermediaries.
On the one hand, this relationship is manifested in the exchange of insurance commodities between insurers and insurance agents, insurance brokers and insurance assessors; on the other hand, it is manifested in the exchange of insurance commodities between insurance agents, insurance brokers, insurance assessors and the insured or insurance beneficiaries due to the activities of insurance agents, insurance brokers and insurance assessors.
Third, the relationship between insurance companies.
The insurance commodity relations between insurance companies include those between insurance companies, between original insurance companies and reinsurance companies, and between reinsurance companies arising from insurance business activities. At present, the insurance companies in China insurance market are wholly state-owned insurance companies and joint-stock limited insurance companies in nature; Formally, there are domestic insurance companies, foreign insurance companies and Sino-foreign joint venture insurance companies; From the business content, there are property insurance companies, life insurance companies and reinsurance companies; In terms of business scope, there are national insurance companies and regional insurance companies. With the further implementation of the reform and opening-up policy and the in-depth development of social economy, there will be some other forms of insurance enterprises, thus forming a different economic structure, different levels and different forms of insurance market structure. These insurance companies, big or small, strong or weak, are in an equal position in the market economy. For their own economic interests, the two compete and cooperate with each other in insurance business activities.
Fourth, the relationship between management and being managed formed by the state's supervision of the insurance industry.
This relationship refers to the relationship between management and management formed by the national insurance authorities' supervision of insurers and insurance intermediaries engaged in insurance intermediary business within their own territory. It is embodied in two aspects: First, the relationship between the government and insurance companies. The government implements macro-control and decides whether to approve the establishment of new insurance enterprises according to the needs of the insurance market. The government is responsible for the country. Enterprises operate insurance business in accordance with government regulations, operate independently, be responsible for their own profits and losses, and develop independently. The second is the relationship between the supervisor and the supervised. The insurance commodity relationship is essentially a commodity economic relationship. As long as there is a commodity economy relationship, there must be competition in the insurance market. In order to ensure the normal operation of insurance enterprises and protect the legitimate interests of insurance parties, it is necessary to carry out macro-management of the insurance market, including economic means, administrative means and legal means, so as to form a relationship between management and management and ensure the normal operation of insurance commodity exchanges. Any discipline is constantly developing and perfecting, especially the emerging discipline of insurance. Despite the early insurance science, such as insurance law and insurance mathematics, even in modern times, the system structure of insurance science has not formed a unified standard and unified format. Some people once divided insurance into principle and practice, some people divided insurance into general theory and sub-theory, others divided insurance into insurance economics and insurance management, and so on, with different methods and contents. The reasons for this situation are: on the one hand, people's subjective understanding of a subject has a process from immaturity to maturity; On the other hand, because people are limited by the ability and level of understanding objective things, it is difficult to reach the level of completely correctly understanding objective things. Therefore, it is difficult to arrange the logical structure of a subject perfectly. The change of insurance system structure just illustrates this point. With the development and change of insurance, insurance and its system structure will continue to develop and improve. Personally, I think it is more appropriate to divide insurance into four parts, as follows:
The first part: The basic theory of insurance.
The relationship between insurance and risk, the definition and classification of risk and risk management are discussed respectively. The nature of insurance, the comparison between commercial insurance and similar systems, and the functions and functions of insurance; Insurance contract and its characteristics, elements, the signing and performance of insurance contract, and the change of insurance contract; Four basic principles of insurance and their application in insurance business practice.
Part II: Insurance practice.
This paper discusses the forms and classification of insurance, property insurance, liability insurance, life insurance, reinsurance and other business practices, including the characteristics, contents and relevant clauses of various insurances.
Part III: Insurance Management
This paper discusses the characteristics, principles and links of insurance management, as well as policy design skills, actuarial principles, insurance marketing methods, the use of insurance funds and the evaluation and analysis of insurance management benefits, insurance management risks and their prevention.
Part IV: Insurance market.
This paper discusses the structure and operation of the insurance market and the supervision of the insurance market.