机动车第三者责任强制保险制度的法律经济学分析  

Economic-Legal Study on the Third Party's Liability in Machine Insurance

作　　者：刘德芸[1] 

机构地区：[1]厦门大学法学院,福建厦门361005

出　　处：《海南金融》2006年第4期30-32,共3页Hainan Finance

摘　　要：我国的机动车第三者责任强制保险条例至今迟迟不能出台,其主要原因是其涉及到多方面的利益关系的平衡和考量,导致各方争议较大,很难协调。本文试图从法律经济学的角度对其中几个重要争议问题和制度进行一些对策性分析,而正是因为强制保险涉及到多方的利益,其中的外部性、信息不对称、道德风险等问题广泛存在,使得法律经济学的分析路径是很有效的。Our country ＂Vehicle risk Compulsory insurance Rule＂ cannot appear until now, its main reason is that it involves the various benefit relations which need to be balanced and the good consideration, all the disputes are difficult to coordinate. Regarding this the domestic scholar also all has the elaboration, but this article attempts from the legal economic angle carries on some policies to several important disputes, precisely because the compulsory insurance involves to many benefit disputes, exteriority, the imperfect information moral hazard question widespread make the economic perspective useful.

关 键 词：外部性 第三者强制责任险 成本收益 

分 类 号：F840.69[经济管理—保险]