保险市场行为变异原因探析

保险市场行为的变异一直是保险市场关注的热门话题,然而人们更多地关注变异的表现形式,而对变异的原因很少提及。从制度经济学的角度分析,保险市场行为变异是由内部及外部因素共同造成的。外部原因主要是保险市场的信息不对称、保险市场的负外部性及保险行业的特殊性;内部原因主要包括保险经营目标的差异性、保险公司组织行为的变异、保险公司的治理结构因素及销售渠道因素。

Variations of the Insurance Market Behavior and Reasons

Variations of the insurance market behavior have been a hot issue. However, more attention has been paid to the different manifestations, as to the reasons for such variations, few has been mentioned. The paper probes into the reasons for variations of the insurance market behavior from the angle of economics and classifies them into two categories with the hope that this will be the logic beginning of the supervision to the market behavior.