保险监管的经济学动因——保险市场失灵及其表现  

Economics of Insurance Supervision Motivation——The Insurance Market Failures and Its Performance

作　　者：陈辞[1,2] 李炎杰[2] 

机构地区：[1]云南省委党校,云南昆明650111 [2]西南财经大学,四川成都610074

出　　处：《技术经济与管理研究》2010年第5期144-147,共4页Journal of Technical Economics & Management

摘　　要：政府对保险业实施监督管理有其经济学动因。后危机时代,保险监管呈现出了全球性的特征。从国际宏观角度进行保险监管的微观经济基础的探讨,必将有利于我国保险监管事业的迅速稳固发展。公共利益监管理论认为,政府监管的存在是为了修正低效率或不公正的市场行为。本文根据经济学的框架,探讨了政府与市场的关系,分析了目前我国保险市场上存在的四种市场失灵的表现,即市场支配力、外部性、公共物品和信息不对称问题,从而阐释了保险监管存在的经济学动因,认为合理的政府干预对于维护市场机制正常运行、及时纠正市场缺陷、防范各类风险是十分必要的。The reason why government has to supervise and regulate the insurance industry comes from economic theories. Postcrisis era, insurance regulation shows the global characteristics. From an international perspective for micro-insurance regulation of the economic base, will be conducive to China＇s insurance regulatory development of the rapid solid. The public interest theory tells us that the existence of the government regulation is to correct the inefficient or unfair market practices. In this article, we follow the economic frame, explore the relationship between government and market, analyze all kinds of problems exist the insurance market of China according to four kinds of market failure, and therefore could see the economic motives of insurance regulation, and a reasonable government intervention in market mechanisms for maintaining normal operation of the market in time to correct deficiencies and prevent various types of risk is necessary.

关 键 词：保险市场 经济学动因 市场失灵 保险监管 

分 类 号：F840[经济管理—保险]