保险监管资源的配置:经济效应与激励方向

Allocation of Insurance Supervision Resources:Economic Effect and Inspiration Direction

保险监管是作为校正保险市场失灵的手段而存在的,保险监管在中国保险市场的交易链条中占有核心地位。保险消费者权益保护是保险监管目标的最终指向,保险监管资源的配置效率,以及保险监管激励的方向直接决定着这一目标是否能够实现。官员效用最大化模型可以用来分析保险监管资源配置的经济效应。在以保护消费者权益作为监管激励方向的条件下,保险监管应在监管力度与监管方式上进行改革,调整保险监管激励的方向,遏制全行业的保费冲动和规模冲动。

It is as a means of emendator for the failure of the insurance market that insurance supervision exists. Insurance supervision holds a core position in the transaction chain of China＇ s insurance market. The ultimate direction of the target of insurance supervision is to protect the consumers＇ right and interest, the realization of this target is determined by the allocation efficiency of insurance supervision resources and the inspiration direction of insurance supervision. The model of official utility maximization can be used to analyze the economic effects of allocation of insurance supervision resources. Under the conditions of protecting the consumers＇ rights and interests as the direction for supervision, reforms should be made upon the strengths and methods of insurance supervision, so as to adjust the direction of insurance supervision inspiration and keep within limits the impulse for premium and the impulse for scale in the whole trade.