保险经济学研究述评  

A Review of Insurance Economics Study

作　　者：孙祁祥[1] 孙立明[1] 

机构地区：[1]北京大学经济学院,100871

出　　处：《经济研究》2002年第5期48-57,共10页Economic Research Journal

摘　　要：保险经济学是用一般经济理论来研究有关保险领域问题的一门学科。作为一门独立的学科 ,保险经济学在国外已经得到较大的发展 ,它所探讨的问题和分析方法在主流经济学和金融经济理论中也占有很重要的位置。然而在我国 ,该学科的研究还很不充分 ,很少有人使用规范的经济学研究范式对我国的保险业进行深入而细致的分析。本文按照保险经济学历史发展的逻辑顺序 ,对该学科发展过程中的几个重要方面做了简要评述 ,在此基础上分析了保险经济学在结合我国的实际情况时应注意的几个方面 ,以期引起这方面更深入的讨论。The purpose of insurance economics is to study and resolve the problems in insurance industry with general economics theory.As an independent discipline,insurance economics has been developed for many years in western countries.Both the problems discussed by insurance economics and the analytical approaches they established have played important roles in modern economics and financial theory.In China,however,there are few scholars to study domestic insurance industry with formal economic paradigm.In this article we briefly review insurance economics according to its historical development sequence,and analyze the several important aspects to which we should pay attention when studying Chinese insurance industry with foreign theory so as to encourage more deeply and broadly discussion in insurance economics in China.

关 键 词：保险经济学 博尔奇定理 莫森 道德风险 信息不对称 逆选择 保险监管 组织结构 “私人利益”理论 资产组合理论 资本资产定价模型 期权理论 期权定价理论 金融市场 

分 类 号：F840[经济管理—保险]