论构建有效保险信用评级制度的制度条件

On System Condition of Setting Up Valid Insurance Credit Grading System

保险信用评级制度从理论上讲是一项矫正保险市场参与者之间信息不对称的中介信息制度安排。然而,要发挥其预期的制度效用,需要一系列与之相匹配的制度条件。从探寻美国有效保险信用评级制度的制度条件楔入,可推论出构建有效保险信用评级制度的一般制度条件。然而,我国目前尚不具备这些制度条件。为此,我国政府在政策上应动态地把握好政府与市场的作用边界,逐步改革我国现行制度环境,使之与有效制度条件相耦合。

Theoretically insurance credit grading system is a system of intermediate which can correct asymmetric information among insurance market. However, it needs a series matching system terms to show anticipant system effectiveness. The general system terms how to establish valid insurance credit grading system can be inferred from exploring American valid insurance credit grading system, but these are still lack at present in China. So, our government should hold the function boundary of the good government and market on the policy dynamically, and reform the current system environment of our country gradually, to match valid system terms.