保险经纪公司价值的理论分析

The Theoretical Analysis on the Value of Insurance Brokers

保险经纪公司作为保险中介的重要组成部分,其价值体现在缓解保险市场信息不对称程度、降低交易成本和提升保险市场效率等方面,本文综合运用一般均衡、博弈论和福利经济学的方法,从理论视角对保险经纪人的价值进行推导;而从保险经纪公司经营实践来看,保险经纪公司对股东、保险消费者、保险公司等市场微观主体具有重要价值,大力发展保险经纪公司具有重要的现实意义。

As an important part of insurance intermediation, insurance brokers create values in relieving informa- tion asymmetry, reducing transaction costs and improving efficiency of insurance market. This thesis deduced values of insurance brokers from the theoretical perspectives of the theory of general equilibrium, the game theory and the theory of welfare economics. In addition, from the practical perspectives of insurance brokers＇ operations, insurance brokers provided great values to micro market entities like stockholders, insurance consumers and insurance compa-nies. Thus, great importance should be assigned to the development of insurance brokers.