论商业寿险的道德风险——兼与社会养老保险比较

On the Moral Risks of the Commercial Life Insurance——Compared with Social Pension Insurance

道德风险是商业保险和社会保险领域中常见的现象。与社会养老保险中的道德风险相比,商业人寿保险中的道德风险具有自己的特点、发生机制和规避策略。商业寿险作为一种市场产品,具有产权明晰、透明度较高、参与各方对风险的规避具有可选择性等特点;相应地,寿险的道德风险尽管表现形式多样和多变,但防范的难度在总体上低于社会养老保险。对寿险道德风险的防范,主要应充分发挥市场机制的作用;同时,也需要在规范政府行为的前提下,对寿险市场失灵进行某些必要的干预。

The moral risk is a common phenomenon in the realms of commercial insurance and social insurance. Compared with social pension insurance,moral risk in commercial life insurance has its own characteristics,mechanisms and tactics of elusion. As a kind of market product,commercial life insurance is characterised by chear property right,transparency and selectivity for participation. Though diverse and changable,social pension insurance. In the precaution against the moral risk in life insurance,the market mechanism will play an important role. Meantime,the government,in the prerequisites of its normatine behavior,needs to intervene when the market mechanism fails to work.