寿险公司费用监管的理由与方式——基于纽约费用限制法的探讨  

Analysis of Approaches to Supervision on Life Insurance Company's Expense——Based on New York Expense Limitation Law

作　　者：马宜斐[1,2] 

机构地区：[1]北京第二外国语学院,北京100024 [2]对外经济贸易大学,北京100029

出　　处：《保险研究》2015年第11期3-14,共12页Insurance Studies

摘　　要：保险行业的独特性构成销售费用市场失灵。运用期望效用分析,揭示保险费用与消费者福利的关系。借鉴纽约费用限制法,防止保险公司粗放式增长损失消费者福利。设立基本规则和行使裁决权的政府费用监管能够有效纠正市场失灵。纽约费用限制法的启示是:费用监管目的明确才可确定监管费用的具体项目和方法;细分费用监管的险种差异;总的原则是费用率随保费规模累计递减,同时考虑公司规模、阶段对费用需求的差异;代理人佣金管理规范,补贴新人;费用监管体现销售渠道差异;定量定性相结合,留出一定的自主空间。Insurance industry characteristics lead to market failure in managing sales expenses. The paper applied orthodox utilianalysis to explore the relationship between expenses and customer welfare and drew experiences from New York Expense Limitation Law to avoid insurer＇ s extensive growth undermining customer welfare. Govern Enlightenments from New York Expense Limitation Law include：the content and approach on supervising expense are based on supervision purpose ; differentiate expense rates according to different types of insurance ; the general rule is to deerea expense rate progressively as premium income gets larger, taking into consideration different expense needs due to different firm size and stage of development;regularize agent commission management and new agent subsidy;expenses regulation considers sales channel differences;combine qualitative and quantitative approaches and accommodate certain degrees of discretion.

关 键 词：寿险公司费用 纽约费用限制法 保险公司费用监管 

分 类 号：F840.3[经济管理—保险]