我国保险服务贸易现状分析与对策研究

我国保险服务贸易现状分析与对策研究(毕业论文17000字)
摘  要：随着我国经济飞速增长，服务贸易得到较大发展。分析我国服务贸易出口结构可知，我国服务贸易出口优势部门仍集中在旅游、运输等传统领域。作为现代服务业中的一员，保险服务贸易占外贸出口总额的比重较低，总体水平不高、结构失衡，仍处于初级发展阶段。因此，认真分析和评估我国保险服务贸易现状，不仅可为政府采取合理的经济政策提供客观的依据，促使保险业向更高层次发展，同时也有助于提升保险服务业的竞争力，从而提高保险服务贸易水平，提高我国经济的整体竞争力。
关键词：服务贸易；保险服务贸易；现状；对策
Abstract: With China’s economy has been growing rapidly, its services trade have greater development. analyse the export structure of services trade in China, the preponderant export departments of services trade still focus on those traditional areas such as tourism and transportation. as one of the members of present insurance trade, the proportion of insurance services trade of the overall international trade is quite low, the overall level is not high and the structure is unbalanced, China’s insurance services trade is still at the primary stage of development. Therefore seriously analyse and assess the status quo of our insurance services trade, not only could provide the government with objective basis as to take reasonable economic policies, impel insurance trade to develop to a higher level, at the same time ,it also helps to improve the competitiveness of the insurance industry, thus enhancing the level of insurance trade and improve our nation's overall competitiveness.
Key Words: Presence of natural person; Insurance trade in services;Status quo; Countermeasure
目  录
摘要………………………………………………………………………………………………1
关键词……………………………………………………………………………………………1
一、绪论…………………………………………………………………………………………2
（一）选题研究意义…………………………………………………………………………2
（二）国内外研究现状………………………………………………………………………2
1服务贸易的相关研究……………………………………………………………………2
2我国保险服务贸易现状研究……………………………………………………………3
3影响我国保险服务贸易的因素研究……………………………………………………4
4发展我国保险服务贸易的对策研究……………………………………………………6
5评述………………………………………………………………………………………7
（三）研究框架与方法………………………………………………………………………7
二、我国保险服务贸易现状……………………………………………………………………7
（一）保险服务贸易的定义…………………………………………………………………7
（二）我国保险服务贸易的开放程度低……………………………………………………8
 （三）我国保险服务贸易进出口总额与其他国家对比相对落后…………………………9
三、对于我国保险服务贸易发展的劣势分析…………………………………………………10
（一）我国服务贸易整体水平不高……………………………………………………10
（二）我国保险服务贸易立法不完善………………………………………………………10
（三）我国保险服务贸易面对多项壁垒导致竞争力较差…………………………………11
1 政策性壁垒阻碍我国保险服务贸易发展……………………………………………11
2 范围经济和规模经济壁垒让我国保险服务贸易面临严峻挑战……………………11
3 产品销售战略性壁垒制约我国保险服务贸易的竞争力…………………………11
4 消费者偏好所形成的壁垒增加了我国保险服务贸易发展成本……………………12
四、发展我国保险服务贸易的对策……………………………………………………………12
（一）    加强对服务贸易的扶持力度………………………………………………………12
（二）    完善保险法规的实施细则…………………………………………………………13
（三）    提高保险业开放程度………………………………………………………………14
（四）    提高保险服务贸易创新能力………………………………………………………14
（五）    实施地区经济联盟…………………………………………………………………15
（六）    实施保险税收优惠豁免政策………………………………………………………15
（七）多渠道转变消费观念…………………………………………………………………16
五、结束语………………………………………………………………………………………16
参考文献………………………………………………………………………………………16
致谢…………………………………………………………………………………………18