保险监管失灵及其规避问题

Insurance Regulation Failure and Its Prevention

保险市场失灵需要保险监管来弥补,但保险监管也存在失灵的现象。本文首先从理论上对保险监管失灵进行了解释,然后结合我国保险监管的失灵风险,对规避监管失灵的难点进行了分析,并着重讨论了如何在委托人缺位、缺乏直接激励和约束机制的情况下规避监管失灵。

Insurance regulation is meant to make up the failure of insurance market. However, there can be failure of insurance regulation, too. This paper first gave explanations on insurance regulation failure theoretically. Then the paper analysed the risks of insurance regulation failure in China and difficulties of its correction in the context of the absence of principal and the lack of direct incentives and restrictions in insurance regulation. Finally, the paper dis- cussed the possible ways to correct the insurance regulation failure.