保险公估人制度对解决保险市场信息不对称的作用及问题分析  

Systems of Insurance Assessor Resolving Information Asymmetries in Insurance Market:Roles & Analysis

作　　者：樊李方[1] 

机构地区：[1]武汉大学信息管理学院,湖北武汉430072

出　　处：《武汉大学学报（哲学社会科学版）》2007年第6期874-878,共5页Wuhan University Journal：Philosophy & Social Science

摘　　要：保险市场存在着诸多的信息不对称,由此引起的"逆向选择"和"道德风险"常常会产生不良后果,投保人对保险条款免赔范围和理赔过程的不了解,也会导致双方的不信任感。基于此而引入的保险公估人制度在保险信息的有效沟通、保险理赔工作的专业化和保险市场的公正性、增强保险市场双方信用程度等方面缩小了买卖双方信息不对称的差距。但是,保险公估人仍然存在信息不对称的问题,对于这些问题我们应该予以关注。There are many information asymmetries in insurance market. Adverse selection and moral hazard caused by these often result in bad results. It will lead to the distrust between the policyholder and the insurer that the policyholder does not understand the franchise clause and the compensate process. Therefore, introducing insurance assessor system can meet the gap of information asymmetry. It can improve the insurance information communication, keep fairness and promote credit degree of buyer and vendor＇s. At the same time, the paper also discusses about some questions which is caused by information asymmetry and give some advice.

关 键 词：信息不对称 保险公估人 市场 

分 类 号：F842.3[经济管理—保险]