保险中介制度的优势与中国保险中介的发展  

Advantage of Insurance Agency System and Development of Insurance Agency in China

作　　者：任曙明[1] 原毅军[1] 兆文军[1] 

机构地区：[1]大连理工大学经济研究中心,辽宁大连116024

出　　处：《中国软科学》2004年第4期79-85,共7页China Soft Science

基　　金：国家社会科学基金资助项目"我国经济中介组织的发展及规范化研究"(02BJL028)

摘　　要：作为一种制度安排,保险中介普遍存在于发达保险市场,这有利于交易双方福利的提高。本文结合发达保险市场的特征,运用厂商中间层理论分析保险中介的性质及产生条件,即保险中介是一种节约交易成本、优化市场交易、制造市场的经济中介组织,研究了保险中介活跃于发达保险市场的原因及其对保险市场的影响,可为中国保险中介的滞后发展提供思路。As an institutional arrangement, insurance agency has commonly existed in the developed insurance markets, which has obviously benefited the buyers and sellers and improved the welfare of both sides. Based on the features of developed insurance market, this paper applies the intermediary theory to analyze the insurance agency's nature and emergence. In other words, insurance agency is a kind of economic intermediary that cuts transaction cost, improves resource allocation efficiency and creates market. This paper also discusses factors causing active growth of the insurance agency and their influence on the insurance market. Then it tries to give explanation to slow development of insurance agency in China.

关 键 词：保险中介制度 中国 厂商中间层理论 中介组织 交易成本 

分 类 号：F842.3[经济管理—保险]