相互保险的风险识别及创新解决方案——基于TRIZ和TIF理论

Mutual Insurance Risk Identification and Innovative Solutions——Based on TRIZ and TIF Theory

相互保险是保险组织形态中非常重要的一种,但是由于信息不对称,相对于其他保险模式而言,同样存在着逆向选择和道德风险问题。传统的监管模式下,监管渗透不够,反制力不强,导致了相互保险无法彻底解决逆向选择和道德风险的治理困境。本文基于塔福域理论和TRIZ理论系统地分析了相互保险模式中存在的风险,并且提出了创新性的解决方案,即构建“保险域”。

Mutual insurance is a very important form of insurance organization,tut due to information asymmetry,there are also adverse selection and moral hazard problems compared to other insurance models.Under the traditional supervision mode,the supervision penetration is not enough,and the counter-force is not strong,which leads to a mutual dilemma that mutual insurance cannot completely solve the adverse selection and moral hazard.Based on TIF theory and TRIZ theory,this paper systematically analyzes the risks existing in the mutual insurance model,and proposes an innovative solution,namely,the construction of“insurance domain”.