责任保险供给不足的经济学根源

On Origin of Economics for the Shortage of Supply in Liability Insurance

责任保险发展了多年,但一直是财产保险市场中的小险种。各级政府也花了许多精力大力发展责任保险,但效果不是非常明显。供给不足是一个主要原因。责任保险的供给不足是有很深的根源的。本文用经济学的方法,分析了责任保险供给不足的根本原因。由于外部环境道德风险较大、保险市场对创新无保护、外部法制环境不健全、保险公司内部管理能力较弱等多方面宏观与微观的原因,导致责任保险的供给成本增加,从而使保险公司的供给总量减小。另外,保险公司的资源有限使得在分配资源时,出于利润最大或收入最高的目的,也不愿意在供给成本比较高的责任保险方面增加供给。因此,要发展责任保险也必须考虑刺激责任保险的供给。

The market share of liability insurance in China is always very small. Government decided to develop liability insurance in the past two years, but the progress isn＇t very obvious. We analyze the supply of liability insurance economically. There are some reasons to increase the supply expense of liability insurance, such as big moral risk in China, no protection for innovation of insurance, imperfect legal environment and low management, so the supply of liability insurance decreases. On the other hand, the resources of insurance company is so limit that they wouldn＇t like to provide more to high expense products. We must consider how to encourage the supply of liability insurance if we want to develop it fast.