财产保险行业自律公约约束机制与实施对策  

作　　者：孙树垒[1] 路晓伟 

机构地区：[1]南京财经大学管理科学与工程学院,南京210046 [2]中国大地财产保险股份有限公司,上海200135

出　　处：《保险职业学院学报》2010年第1期50-53,共4页Journal of Insurance Professional College

基　　金：南京财经大学校级重点课题(B0805);江苏省软科学项目(BR2008041)

摘　　要：行业自律是政府监管、企业内控、行业自律和社会监督四位一体监管机制的重要组成部分,行业自律公约的成效如何,取决于自律约束机制作用的发挥。通过构建保险公司违规经营博弈,阐述了违规经营市场竞争"囚徒困境"问题的产生机理;通过构建保险行业自律公约博弈,分析了保险行业自律公约的约束机制;最后提出了有效实施行业自律的具体对策。Industry self - discipline is one important composing of supervision system with quaternity such as government regulation, company internal control, industry self- discipline and social supervision. Effectiveness of industry self- discipline pact depends upon operation of restraint mechanism. Through constructing supervision game of illegal behaviors of property insurance companies, causes of prisoners＇ dilemma of illegal management competition are explained. Through constructing self - discipline game of insurance industry, restraint mechanism of autonomic pact is analyzed. Finally, concrete implementation policy is proposed.

关 键 词：财产保险 自律公约 约束机制 实施对策 

分 类 号：F842[经济管理—保险] F842.65