| 保险监管资源的配置:经济效应与激励方向 |
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| 引用本文： | 王国军,吴菲.保险监管资源的配置:经济效应与激励方向[J].江西财经大学学报,2011(6). |
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| 作者姓名： | 王国军 吴菲 |
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| 作者单位： | 1. 对外经济贸易大学保险学院,北京,100029
2. 武汉大学社会保障研究中心,湖北武汉,430072 |
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| 基金项目： | 国家社会科学基金项目“计划生育政策与城乡家庭生活保障制度研究”(10BGL069) |
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| 摘 要： | 保险监管是作为校正保险市场失灵的手段而存在的,保险监管在中国保险市场的交易链条中占有核心地位。保险消费者权益保护是保险监管目标的最终指向,保险监管资源的配置效率,以及保险监管激励的方向直接决定着这一目标是否能够实现。官员效用最大化模型可以用来分析保险监管资源配置的经济效应。在以保护消费者权益作为监管激励方向的条件下,保险监管应在监管力度与监管方式上进行改革,调整保险监管激励的方向,遏制全行业的保费冲动和规模冲动。
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| 关 键 词： | 保险监管 监管激励 消费者 权益保护 |
Allocation of Insurance Supervision Resources:Economic Effect and Inspiration Direction |
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| WANG Guo-jun,WU Fei.Allocation of Insurance Supervision Resources:Economic Effect and Inspiration Direction[J].Journal of Jiangxi University of Finance and Economics,2011(6). |
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| Authors: | WANG Guo-jun WU Fei |
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| Institution: | WANG Guo-jun1,WU Fei2(1.University of International Business and Economics,Beijing 100029,China,2.Wuhan University,Wuhan 430072,China) |
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| Abstract: | It is as a means of emendator for the failure of the insurance market that insurance supervision exists.Insurance supervision holds a core position in the transaction chain of China's insurance market.The ultimate direction of the target of insurance supervision is to protect the consumers' right and interest,the realization of this target is determined by the allocation efficiency of insurance supervision resources and the inspiration direction of insurance supervision.The model of official utility maximiz... |
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| Keywords: | insurance supervision supervision inspiration consumer protection of right and interest |
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