财险理赔中恶性竞争的影响、成因及对策分析——基于经济学视角

Analysis on vicious competition in property insurance claims: influence,causes and countermeasure——from an economics perspective

财险公司在理赔中进行恶性竞争,会增加财险公司的赔款支出,进而提高其负债风险。本文通过构建一个模型证明,理赔中的恶性竞争不仅会对财险公司产生不利影响,还会在一定条件下伤害保单持有人的利益。在公司治理制度不健全的情况下,财险公司以保费最大化为目标。由于缺乏市场退出机制及信息披露机制,超额赔付被财险公司用来作为增加保费收入的重要方法,这也是财险公司在理赔中进行恶性竞争的根本动因。在这些结论的基础上,本文提出了解决这一问题的建议。

Vicious competition in claims will increase property insurance company＇s claims expenses and liability risks. By constructing a model,this paper proves that vicious competition in claims can cause adverse effects not only to insurance companies but also to policyholders. Under the circumstance of inadequate company governance, property insurance companies take premium maximization as their goals. Due to the lack of the market exit mecha- nism and information disclosure mechanism, overpayment of compensation is used by some property insurance companies as a method to increase premiums, which is the main cause of vicious competition in claims settlement. Based on the above analysis, this paper offers some suggestions for solving this problem.