中国保险市场非对称信息问题的研究.pdfVIP

中国保险市场非对称信息问题研究 ABSTRACT The subject of the dissertation is Asymmetric Information problems analysis of insurance market in China．This paper consists of three parts．First，the author introduces the theory of the Asymmetric Information in brief．On the base of the theory and experience of insurance market in China，the author divides this Asymmetric Information problem into four parts，such as adverse selection and moral hazard of the insured，adverse selection and moral hazard of the insurer．Second，this paper studies the reasons that the Asymmetric Information problems of insurance market in China happen are institution and credit．Third，the final part studies how we deal with Asymmetric Information problems of insurance market in China，comes tO a satisfied conclusion． Compared with other papers，the main innovations in this paper includes：first。the paper points out clearly adverse selection and moral hazard of the insurer and analysts the reasons．Second，the author makes use of model analysis of adverse selection and moral hazard．Third，the paper studies the relationship between cultural tradition in China and Asymmetric Information problems of insurance market． Today,with the insurance market developing，it is an important task how to deal with Asymmetric Information problems of insurance market．Because if it Carln，t be hold back，it will lead to market failure．This is a hard task．I hope we can find out vaild measures on our objective environment． Key Words： Asymmetric Information Adverse Selection Moral Hazard Insurer Insured 2 中国保险市场非对称信息问题研究 1．1．选题的目的和意义 圭。萼l言 =十世纪九十年代以来，我国的保险市场一直保持蔻飞速发展的势头。特 别是2001年我国加入WTO，更犹如一场助燃的东风，吹开了整个保险市场的燎 原之势。毽是在一派繁荣豹骜借，帮存在着耱种霞售意不对称所雩}超的诸多国 题。 一方面是投傈方欺诈、骗赔事件屡屡发生，并随着科技的发展呈上升的 势头；另一方霹是保险人及箕代理入教误导、羧骟，良及由茂霭引起斡与投缳 方之间的纠纷，这些都直接导致了整个保险业公众信誉度的下降。另外，保险 公司的某些内部员工为谋取个人私利，经常采取一些损公肥私的手段，使保险 市场豹暗流不断，这些也更勰剥了保险公司敬信爆缝祝。 以上这些在保险交易各方之间存在着的矛盾问题，已经逐渐为人们所认 知。然而，以前人们在谈及这擅问题时，往往仅是单纯归于“诚信”的缺失， 并重。大谈诚信的意义。其实当我们对现实鑫罨蘧进行谈真详维豹分褫之后就会发 现，中国保险市场的非对称信息所引起的诸多问题怎能“诚信”二字了褥?而 且对于解决实际