技术经济与管理研究
技術經濟與管理研究
기술경제여관리연구
TECHNOECONOMICS & MANAGEMENT RESEARCH
2014年
11期
85-89
,共5页
保险套利%保险理赔%保险产品%现代保险
保險套利%保險理賠%保險產品%現代保險
보험투리%보험리배%보험산품%현대보험
Insurance arbitrage%Insurance claim%Insurance product%Modern Insurance
保险套利是在基本功能的基础上,消费者以主观编辑后的风险概率和风险损失为依据,追求更少的保费支出和保险理赔,进而实现消费者剩余最大化和额外保险收益的行为。由于主观编辑可能存在的非理性,也很容易导致保险套利思维下较低的选择效力和较大的效率损失。加快现代保险服务业的发展,不仅需要尊重消费者期望效用最大化追求的意愿,也应该根据消费者保险选择的形成机制,采取积极有效的非理性纠偏措施,将保险产品回归到其基本功能,建立供需双方的互信机制,推动我国现代保险服务业的可持续健康发展,构建与经济社会发展需求相适应的现代保险服务业。
保險套利是在基本功能的基礎上,消費者以主觀編輯後的風險概率和風險損失為依據,追求更少的保費支齣和保險理賠,進而實現消費者剩餘最大化和額外保險收益的行為。由于主觀編輯可能存在的非理性,也很容易導緻保險套利思維下較低的選擇效力和較大的效率損失。加快現代保險服務業的髮展,不僅需要尊重消費者期望效用最大化追求的意願,也應該根據消費者保險選擇的形成機製,採取積極有效的非理性糾偏措施,將保險產品迴歸到其基本功能,建立供需雙方的互信機製,推動我國現代保險服務業的可持續健康髮展,構建與經濟社會髮展需求相適應的現代保險服務業。
보험투리시재기본공능적기출상,소비자이주관편집후적풍험개솔화풍험손실위의거,추구경소적보비지출화보험리배,진이실현소비자잉여최대화화액외보험수익적행위。유우주관편집가능존재적비이성,야흔용역도치보험투리사유하교저적선택효력화교대적효솔손실。가쾌현대보험복무업적발전,불부수요존중소비자기망효용최대화추구적의원,야응해근거소비자보험선택적형성궤제,채취적겁유효적비이성규편조시,장보험산품회귀도기기본공능,건립공수쌍방적호신궤제,추동아국현대보험복무업적가지속건강발전,구건여경제사회발전수구상괄응적현대보험복무업。
Insurance arbitrage is to pursue the maximum consumer surplus and additional insurance profits by less premium and more claims through subjective editing of risk probability and loss based on the basic function of insurance. There are also exist lower choice effectiveness and big efficiency loss under the thoughts of insurance arbitrage because of irrational subjective editing. To speed up the development of modern insurance services, it is necessary to respect the wishes of pursuing consumers' maximum expected utility, and take irrationality rectifying measures to return the basic function of insurance products according to the insurance consumer choice mechanism. Mutual trust mechanism of supply and demand should be established to promote the sustainable and healthy development of China modern insurance services and construct modern insurance services suitable to economic and social development requirements.