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建立和完善我国全民健身保险体系的可行性研究报告DOC

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自以 1995 年《中华人民共和国体育法》颁布实施为标志和以 2008 北京奥运会为转折, 全民体育健身、民生体育成为社会和政府予以高度关注的领域;国务院 2009 年《全民健 身条例》、2011 年《全民健身计划(2011-2015)》、2013 年《国务院关于促进健康服务业发 展的若干意见》等体育与健康法规相继出台,使得群众体育事业有了法制保障并营造了有 利于全民体育健身发展的良好法治环境。各级政府积极履行体育公共服务职能的力度不断 加强,全民健身事业纳入到了国民经济和社会发展规划中;体育产业实现快速发展,全民 参与体育的热情空前高涨。目前初步形成了覆盖人群广、遍及城乡的全民健身组织网络体 系,已有超过 28%的城乡居民参加经常性体育锻炼。 然而,现代体育活动内容不断求新、求变、求刺激的趋势致使参与体育活动的风险性 增高;在我国不仅是竞技体育,即便大众健身等群众性体育活动中的各类体育伤害也随之 增多。转移风险,消除由此而造成的后顾之忧,保证全民体育健身持续、稳定、健康发展, 体育保险问题开始引起体育学界关注,并成为政府政策的选项之一,以及由政府推动的健 康服务业的内容之一。 本研究以此为依据,在前 3 章中对西方发达国家和地区体育保险发展的现状、成功经 验和存在问题分析的基础上,阐释了课题研究的背景及意义,并就体育保险概念进行了尝 试性的界定;进而比较了国内外体育保险的发展情况及对我国体育保险发展情况做了概括 性描述。第 4-5 章节,着重对建立和完善我国全民健身保险体系的必要性及其制约因素所 影响到的可行性做了客观地分析,认为存在着 10 个方面的问题。 针对我国全民健身保险体系存在问题,在第 6 章,提出了建立和完善我国全民健身保 险体系的对策与建议:提高全民健身体育保险意识;对外开放体育保险市场;加强体育保 险立法工作;完善体育保险市场监管体系;合理设计相关税收制度;建全体育保险中介服 务;完善体育保险销售模式;重视专业人才的培养;创新险种设计;拓宽多元化的保险资 金融资渠道。 关键词:全民健身;体育保险体系;必要性论证;可行性分析II Feasibility study to establish and improve our fitness insurance system Abstract Since in 1995, People's Republic of China Sports Law was promulgated as a symbol and as a turning point in the 2008 Beijing Olympic Games, the National Sports Fitness, Sports livelihood became highly concerned about society and government areas; the State Council in 2009,National Fitness Regulations, 2011National Fitness Program (2011-2015),2013the State Council on promoting the healthy growth of the service, such as sports and health regulations were introduced, making the mass sports undertakings have legal protection and create a conducive national physical fitness development legal environment. Governments at all levels actively perform public service functions of sports efforts have been strengthened and fitness industry into the national economic and social development planning; sports industry to achieve rapid development, enthusiastic people involved in sports than ever before. Currently, initially forming a broad population, national fitness organizations throughout urban and rural network system, more than 28 percent of urban and rural residents to participate in regular physical exercise. However, modern sports content constantly innovating and change, and to stimulate participation trends resulted in increased risk of physical activity; in our country is not only a competitive sport, even if the public health and other mass sports activities in various sports injuries also will increased. Transfer risk, eliminating worries caused thereby, ensuring universal physical fitness sustainable, stable and healthy development of sports insurance has begun to attract attention of sports academia and government policies to become one of the options, as well as the content of health services by the Government to promote the one. In this study as a basis for the first three chapters on the status of Western countries and the development of regional sports insurance, successful experience and presence-based analysis of problems, explains the background and significance of the research, and on the concept of sports insurance defining tentative; then compare the development of domestic and international sports insurance and the development of China's sports insurance general description of the situation to do.4-5 chapters, focusing on the establishment and improvement of national health insurance system in the necessity of its constraints that affect the feasibility of doing an objective analysis that there is a problem 10 areas. Fitness for the existence of insurance system problems, in Chapter 6: proposed theIII establishment and improvement of fitness insurance system countermeasures and suggestions: raise awareness of fitness sports insurance; open sports insurance market; strengthen sports insurance legislation; improve sports insurance market regulatory system; rational design-related taxation system; build the whole sports insurance intermediary services; perfect sports insurance sales model; attention to the training of professionals; innovative insurance design; broaden the financing channels for a wide range of insurance funds. Keyword: Fitness, Sports insurance system, The need for argument, feasibility analysisIV 目 录 第 1 章 研究的缘起与选题的目的意义.......................................................................................1 1.1 选题背景.............................................................................................................................1 1.2 选题的目的和意义.............................................................................................................1 第 2 章 全民健身体育保险体系相关概念界定及理论基础.......................................................3 2.1 有关保险的内涵与外延研究.............................................................................................3 2.2 关于体育保险的基础理论研究.........................................................................................4 第 3 章 中西方体育保险的比较及启示.......................................................................................6 3.1 体育保险意识的比较.........................................................................................................6 3.2 体育保险法规、制度情况的比较.....................................................................................7 3.3 体育保险机构及其运营模式的比较.................................................................................7 3.4 体育保险险种的比较.........................................................................................................8 第 4 章 建立和完善我国全民健身保险体系的必要性分析.....................................................11 4.1 全民体育健身活动组织形式与内容选择.......................................................................11 4.2 大众健身活动中常见风险及其伤害事故.......................................................................13 4.3 全民体育健身的风险防范与体育保险需求...................................................................13 4.4 全民健身保险体系建立的理论和实践意义...................................................................14 第 5 章 我国全民健身保险体系建立和完善的制约因素分析.................................................15 5.1 国人体育保险意识普遍薄弱...........................................................................................15 5.2 政府职能转变尚不到位,市场开放程度仍不高...........................................................16 5.3 法律制度建设尚不配套...................................................................................................17 5.4 监管体系应加快完善.......................................................................................................18 5.5 税收制度缺乏合理性.......................................................................................................19V 5.6 保险中介发展亟需完善...................................................................................................20 5.7 销售渠道发展尚不均衡...................................................................................................21 5.8 专业人才缺乏...................................................................................................................21 5.9 险种设计缺乏创新性.......................................................................................................22 5.10 保险公司险资运用渠道单一.........................................................................................24 第 6 章 建立和完善我国全民健身保险体系的对策与建议.....................................................26 6.1 形成社会合力,提高全民健身体育保险意识..................................................................26 6.2 对外开放体育保险市场,学习借鉴国外先进经验.......................................................27 6.3 加强体育保险立法工作,促使体育保险市场更加规范...............................................27 6.4 完善体育保险市场监管体系,维护行业健康发展.......................................................28 6.5 合理设计税收制度,保障体育保险公司的利益...........................................................29 6.6 调整产业结构,建立体育保险中介服务机构...............................................................29 6.7 建设中国特色的体育保险销售模式...............................................................................30 6.8 重视专业人才的培养,改善服务质量...........................................................................30 6.9 创新险种设计,拓展服务领域.......................................................................................31 6.10 充分利用保险资金,通过多元化的投资获得更多的收益.........................................32 第 7 章 结语.................................................................................................................................33 致 谢.......................................................................................................................................34