论建立合理的保险道德规范和自律机制

On the Establishment of Logical Standard of Insurance Ethics and Self-Regulation Mechanism

保险市场是一个比较典型的信息不对称市场,信息不对称状况容易导致逆选择和道德风险问题。保险的欺诈现象虽然千差万别,既可以运用法律手段来制裁,也可以运用经济手段来制裁,但最有效的莫过于保险的道德建设。因为保险的道德建设不仅从根本上铲除了欺诈的根源,更不会带来任何负面影响。因此,在保险的实际工作中要建立合理的道德规范和自律机制。

The insurance market is a typical asymmetric information market,information asymmetries easily lead to adverse selection and moral hazard.Although insurance fraud varies widely,We can not only use legal means but also economic instruments to sanction,but the most effective is insurance ethics.Because insurance ethics eradicate the root causes of fraud,and there is not to not any negative impact.Therefore,in actual work of insurance we should establish a reasonable code of ethics and self-regulatory mechanism.