保险经纪人功能的经济学思考  

An Economic Perception on the Function of Insurance Brokers

作　　者：钟明[1] 

机构地区：[1]上海财经大学金融学院,上海200433

出　　处：《保险研究》2006年第8期59-62,共4页Insurance Studies

摘　　要：我国保险经纪业发展的现状表明目前保险经纪人的功能定位有很大的偏差。从经济学的角度分析保险经纪人平抑信息不对称和调节市场均衡的本质功能，就是为了明确保险经纪业发展的正确方向，拓展保险经纪业的发展空间。为此，我国保险经纪业应该培育核心竞争力，加强信息管理，建立人力资源开发体系，增强诚信意识，真正发挥保险经纪人在保险市场发展中的推动作用。The current development of insurance brokerage business in China indicates that the functional positioning of China＇s brokers is gravely misplaced. This economic analysis of the fundamental role of insurance broker on reducing information asymmetry and modulating market equilibrium will point out the correct direction for the brokerage business, and in turn, expand the room of development for brokerage firms. For this reason, Chinese brokerage firms should cultivate their core competence, enhance information management, establish a human resources development system, strengthen their credibility awareness, and play their due role as a driving force for the insurance market.

关 键 词：保险经纪人功能 经济学分析 信息不对称 市场均衡 

分 类 号：F840.69[经济管理—保险]