航意险手续费恶性竞争的经济学根源分析

从上世纪90年代起,航意险手续费恶性竞争问题就一直困扰着保险业界和保险监管机构。航意险手续费恶性竞争的经济学根源主要有产品简单、价格单一;价格管制存在丰厚的利润空间,分销渠道单一,形成买方垄断(买方寡占)。要解决航意险手续费恶性竞争问题,维护航意险市场秩序,无论保险公司、行业协会,还是保险监管机构,都应从问题根源着手,从产品、价格和销售渠道三方面着手增加替代产品,拓宽销售渠道,提高手续费支付透明度等。

As early as 1990s,insurance companies and insurance regulators have been plagued by vicious fees competition in aviation accident business which, from economic perspective,is originated from the following reasons： i） simple products and single price; ii） buyer monopoly（ buyer oligopoly） resulted from limited distribution channels and price control which generates a lot of profits. In order to get at the roots of this problem and maintain the order of aviation accident business,insurance companies, insurance associations and insurance regulators shall probe into the following three aspects of aviation accident business-product,pricing and distribution channels,