文档介绍：独创性声明本人声明所呈交的学位论文是本人在导师指导下进行的研究工作及取得的研究成果。除了文中特别加以标注和致谢的地方外,论文中不包含其他人已经发表或撰写过的研究成果,也不包含为获得暨南大学或其他教育机构的学位或证书而使用过的材料。与我一同工作的同志对本研究所做的任何贡献均已在论文中作了明确的说明并表示谢意。学位论文作者签名: 签字日期: 年月日学位论文版权使用授权书本学位论文作者完全了解暨南大学有关保留、使用学位论文的规定,有权保留并向国家有关部门或机构送交论文的复印件和磁盘,允许论文被查阅和借阅。本人授权暨南大学可以将学位论文的全部或部分内容编入有关数据库进行检索,可以采用影印、缩印或扫描等复制手段保存、汇编学位论文。学位论文作者签名: 导师签名: 签字日期: 年月日签字日期: 年月日学位论文作者毕业后去向: 工作单位: 电话: 通讯地址: 邮编: 暨南大学硕士研究生毕业论文摘要保险消费者权益是指自然人、法人和其他组织在有偿获得保险产品或服务时,以及在保险承保期间所享有的法定权益。我国商业保险消费者权益受损的主要表现为:销售误导行为导致的公平交易权和隐私权受损、代签名行为带来的知情权和自主选择权受损以及退保难现象引发的保险金请求权受损。究其受损原因是因为不可抗辩条款的不合理规定、惩罚性赔偿机制的缺位、保险市场的垄断现象以及过高的消费者维权成本。境外保险消费者保护机制有行业协会主导保护、诚信违约追责机制、倾向性司法审判模式和跨领域统一监管机制等值得借鉴。完善商业保险消费者权益保护机制就必须加快规制销售误导行为、加强代签名行为的法律规制并重构退保制度。关键词:保险消费者,保险消费者权益、救济机制、救济制度安排暨南大学硕士研究生毕业论文 II Abstract Insurance consumers' rights and interests refers to the legal rights and interests that natural persons, legal persons and anizations enjoys by paying for insurance products or service or during the insurance mercial insurance consumers’ rights and interests are damaged mainly in the following ways in our country : the right of fairtrade and privacy encroachedby sales misleading behavior, rights to know and select on one’s own infringed via signing signature on the behalf of another person behavior and right of claim to insurance benefit deprived by hard to surrender phenomenon. Tracing to the cause, it’s due to the unreasonable stipulation of incontestable clause, the absence of punitive damages, the monopoly phenomenon of insurance market and the extortionatecost in safeguarding consumers’ rights and interests. Overseas insuranceconsumer protection mechanism with guild leading protection, credit default liability mechanism,propensity to judicialtrail mode and cross-domain interdisciplinary unified supervision mechanism is worth using for improve the commercial insurance consumers' rights and interests protection mechanism,we must speed up the regulation of sa