我国保险市场投保人信息劣势问题及其对策  

Information Inferiority of the Insurant in China's Insurance Market and the Strategies

作　　者：胡良[1] 宋军 

机构地区：[1]中国保险监督管理委员会深圳办公室,广东深圳518003 [2]中国宝安集团股份有限公司资产经营部,广东深圳518025

出　　处：《广东行政学院学报》2002年第2期73-76,共4页Journal of Guangdong Institute of Public Administration

摘　　要：投保人严重的信息劣势是我国保险市场面临的一个重要问题。解决投保人信息劣势问题 ,强化市场约束力量 ,是促进我国保险市场更好地发展、迎接开放市场挑战的一个重要策略。当前一方面要创造条件 ,促进市场发挥自我调节的作用 ;另一方面应加快监督制度改革 ,加强信息的公开和透明度 ,建立起较完善的信息传导机制 ,并适时转变监管方式 。The information inferiority of the insurant has been a problem in Chinas insurance market To further develop Chinas insurance market and take up the challenge of the opening, it is very important strategies and the starting point to lessen the information interiority of the insurant and strengthen the markets binding force On one hand, favorable conditions must be created for a self-adjusted market; on the other hand, it is suggested to step up to reform of the supervisory system, to make information public and perfect the transmissible mechanism of information so that the interests of insurant will be better protected

关 键 词：保险 信息劣势 保险监管 投保人 保险人 保险市场 

分 类 号：F842[经济管理—保险]