论保险公司治理的特殊性——一个数理模型的分析

Studies on Special Features of Insurer's Corporate Governance——An Analysis of a Mathematical Model

本文把保险业的特殊性和公司治理的一般理论相结合,构建了一个保险公司治理的数理模型。正文第一部分介绍模型的框架并建立起基本的前提假定,第二部分分析保险公司内部人和外部人的行为策略以及保险公司内外信息不对称的严重性和经营的不确定性以揭示保险公司治理问题的本质,第三部分对模型进行扩展,探讨多种公司治理机制的作用机理以显示保险公司治理的特殊性。

The paper builds a mathematical model by combining the special features of insurance companies with theories of corporate governance. It Fust introduces the frame and assumptions of a model; second, it reveals nature of insurance company＇s corporate governance by analyzing behavior strategies and unsymmetrical information of insiders and outsiders of insurance companies and uncertainty of insurance operations; third it expands the model and demonstrates corporate governance mechanisms to show clearly special features of the insurance company＇s corporate governance.