专业保险中介市场运行机制的经济学解释——基于双边市场理论的视角  

The Economic Explanation for the Operation Mechanism of Insurance Intermediary Market: Based on Two-sided Market Theory

作　　者：孙武军[1] 黄唯怡 

机构地区：[1]南京大学商学院

出　　处：《南京社会科学》2014年第7期20-26,共7页Nanjing Journal of Social Sciences

基　　金：国家自然科学基金项目"双边市场中企业竞争行为的理论与实证研究"(70972032);国家社科基金重点项目"我国应对国际金融风险的对策研究"(08AJY029)的阶段性成果

摘　　要：专业保险中介市场作为连接保险人与被保险人的桥梁和纽带,是保险市场的润滑剂和助推器,是矫正由于信息不对称而造成的保险市场失灵的重要组织形式。然而,传统的保险中介市场的理论框架是建立在单边市场理论基础之上的,忽略了保险中介市场显著的"双边市场(two-sided markets)"经济特征,严重脱离了保险实践。这也使传统的中介理论在解释现实保险中介市场的相关问题时显得十分乏力,甚至出现严重偏差。基于此,文章突破传统的研究范式,在深入分析专业保险中介市场运行机制的基础上,刻画出专业保险中介市场的"双边市场"特征。文章还运用双边市场理论阐述了专业保险中介市场运行过程中需要解决的若干关键问题,为我国保险中介市场的发展提供了理论支撑和实践指导,更为相关政策制定部门提供决策参考。As the bridge and tie between insurers and insured, insurance intermediary are pla ying an increasingly important role in insurance market. However, traditional theory of insurance in termediary market is a onesided marketsbased analysis framework, which separated apart the most important participant in insurance market： the insured, and ignored the twosided markets features insurance intermediaries had performed in the insurance market. Therefore, this traditional theoreti cal framework has several defects, and appears lack of power when explaining some relative problems about insurance intermediaries. As a breakthrough in paradigm, this paper depicts the four twosided characteristics of insurance intermediaries after a dissection of their operating mechanism. Further more, we elaborate some key issues in the intermediary market by employing the theory of twosided markets, with the purpose of offering theoretical supports and practical guidance for insurance inter mediary organizations and markets.

关 键 词：保险中介市场 运行机制 双边市场 

分 类 号：F840.3[经济管理—保险]