我国保险中介制度的模式选择及路径安排——基于制度经济学的视角  

The Developing Form and Path Arrangement of Insurance Intermediaries in China——from the Perspective of Institutional Economics

作　　者：崔惠贤[1] 

机构地区：[1]华东理工大学商学院,上海200237

出　　处：《华东理工大学学报（社会科学版）》2007年第4期43-48,共6页Journal of East China University of Science and Technology：Social Science Edition

摘　　要：在经济科学领域,制度经济学分析已成为观察和理解人类经济活动或经济行为的重要范式之一。以制度经济学作为理论依据来分析保险中介,有助于我们从经济、社会、历史和文化等更广阔的分析视角去把握保险中介作为一种制度安排的内在制约因素,从而更科学地确定我国保险中介的发展模式及路径安排。本文从制度经济学角度分析了保险中介产生的制度原因及条件、制度移植中的障碍、制度创新的必要性等问题,结合我国保险市场的发展状况及经济背景探讨了适合我国的保险中介模式,进而从建立正式约束制度和非正式约束制度两个方面提出了未来我国保险中介的发展路径。In the realm of economic science,analysis by institutionalism has been an important pattern of observing and understanding human economic activities and behaviors. Analyzing insurance intermediaries through the theories of institutional economics is conducive to our understanding of the internal restraining power of insurance intermediaries as an institutional arrangement from a broader view of economics, sociology, history, civilization, etc. In this way we can determine more scientifically the developing form and path arrangement of insurance intermediaries in China.

关 键 词：制度经济学 保险中介 发展模式 路径安排 

分 类 号：F840.32[经济管理—保险]