保险监管的经济学动因——保险市场失灵及其表现.pdfVIP

位水银讲品 f M:崎岖 2010 年第 5 期 保险监管的经济学动因 一一保险市场失灵及其表现 陈辞1 ， 2 ，李炎杰2 (1.云南省委党校，云南昆明 650111; 2. 西南财经大学，四川成都 61∞74) 摘要:政府对保险业实施监督管搜有其经济学动阁。后危机时代，保险监管呈现出了全球性的特征。从国际宏观角度 进行保险监管的微观经济暴础的探讨，必将有利于我国保险监管事业的迅速稳闺发展。公共利益监管理论认为，政府监管的 存在是为了修成低效率或不公正的市场行为。本文根据级济学的根架，探讨了政府与市场的关系，分析了目前我阁保险市场 上存在的四种市场失灵的表现，即市场支配力、外部性、公共物品和信息不对称问题，从而阐停了保险监管存在的经济学动 阂，认为合理的政府干预对于维护市场机制正常运行、及时纠正市场缺陷、防范各类风险是十分必要的。 关键询:保险市场;经济学动因;市场失灵;保险监管 中阁分提号: F840 文瞰栋i只码:A 文章编号: 1ω中292X(2010)05-0144-04 Economiωof Insurance Supervision Motivation …-The Insurance Market Failures and Its Perform刷ce CI皿N Ciu , LI Yan寸iel (1. Party Scbω1) ot Yunnan Pro吼叫al CPC Commit悦， Kunming Yunnan 650111 ,Cbina; 2. Sou伽w回em University ot Finance and Economics. Chengdou Sichuan 61仰74 ， Cbina) 1ω A加衍3ct: 四ereωon why goV nment hasωsupervise and regulate the insurance industry comes from economic theories. Post- crisis era, insurance regulation shows the g灿灿1 characteristics. From an inωrnational pers肘。tive for micro-insurance re酬lation of the economic base,will be conducive to Chinas insurance regulatory development of the rapid 切旧. The public interest thωry te Us us 出at the existence of the govemment regulation isωcorrect 由.e inefficient or unfair market practices. In也is article, we follow the economic frame, explore the relationship between govemment and market. analyze all kinds of problems exist the insurance market of Chins accordingωfour kinds of market failure, and therefore could see the economic motives of insurance regulation, and a re掘。nable govemment intervention in market mechanisms for maintaining norma