股份和相互寿险公司共存的经济学解释——基于委托-代理理论  

Holding company and inter life insurance company coexistence's economy explanation——basing on entrust-agent theory

作　　者：王琪[1] 万晴瑶[1] 

机构地区：[1]西南财经大学,四川成都610074

出　　处：《特区经济》2009年第7期102-105,共4页Special Zone Economy

摘　　要：寿险公司即是以公司形式存在的寿险企业,世界范围内的寿险公司依其组织形式的不同可分为两种:股份制寿险公司和相互制寿险公司。本文将基于委托-代理理论对股份制和相互制寿险公司进行比较分析,试图对两类寿险公司共存的事实给以解释。本文首先分析了两类寿险公司在剩余索取权、经营目标、治理结构上的差异;其次分析了上述差异将导致两类公司在控制代理冲突、融资并购、经营成本这三个方面生成各自的比较优势,而这些又将导致股份公司和相互公司具有不同的产品边界;最后以代理理论下三大假说为基础,评价了两类公司的生产效率。可以说两类公司各自的比较优势、不同的产品边界和效率无差异是两类公司长期共存的原因。The organization of Life Insurance Company covers stock-holder life insurance company and mutual life insurance company.It s interpreted the simultance existence of the two types of life insurance company with trust-agent theory in the article.First it s analysed the differences of the right of value, the operation target and supervision structure, Second, it s analysed the advantages of the control of agent contraction, finance and merger and business cost from the differences, which caused the different product border Last, it evaluated the production efficiency of the two types companies based： tions of agent theory, in a Word,they are the causes of the long-term existence of the two types life insurance companies the respectively advantages different product border and the same efficiency.

关 键 词：组织形式 相互制 股份制 委托-代理 

分 类 号：F840.3[经济管理—保险] F830.9