保险业低声誉的经济学解释:基于时间不一致偏好的视角

发布时间：2018-01-27 17:43

本文关键词： 保险业声誉保险购买垄断竞争时间不一致偏好　出处：《经济研究》2013年08期 　论文类型：期刊论文

【摘要】：整体行业的低声誉已经成为影响中国保险业快速健康发展的突出问题。本文基于时间不一致偏好理论构建了(半)双曲折现模型,通过分析保险消费者的最优购买行为以及在垄断竞争条件下保险公司的最优竞争策略,首次发现和解释了导致保险业低声誉的经济机理。研究表明,消费者的时间不一致偏好导致了其保险购买意愿不足,为此在市场均衡条件下保险公司的最优竞争策略是操纵消费者的风险感知,这是导致保险行业低声誉的直接原因,但这并不必然会导致消费者的事后福利受到损失。伴随我国保险市场竞争程度的提高,试图通过政府加强监管解决保险行业低声誉的直接效应可能是低效且损害消费者福利,加强消费者的风险感知教育才是解决问题的有效手段。但是,政府可以通过加强监管来增加保险公司操纵消费者风险感知的成本,这对普及消费者的风险感知教育具有积极的促进作用。
[Abstract]:The low reputation of the whole industry has become a prominent problem affecting the rapid and healthy development of China's insurance industry. Based on the time inconsistent preference theory, this paper constructs a (semi-hyperbolic) discounted model. By analyzing the optimal purchasing behavior of insurance consumers and the optimal competitive strategy of insurance companies under the condition of monopoly competition, the economic mechanism leading to the low reputation of the insurance industry is first discovered and explained. Consumers' inconsistent preference of time leads to their insufficient willingness to buy insurance. Therefore, the optimal competitive strategy of insurance companies is to manipulate consumers' risk perception under the condition of market equilibrium. This is the direct cause of the low reputation of the insurance industry, but it does not necessarily lead to the loss of consumer welfare afterwards. The direct effect of trying to solve the low reputation of insurance industry through government supervision may be inefficient and harmful to consumer welfare, and strengthening consumer risk awareness education is the effective means to solve the problem. The government can strengthen supervision to increase the cost of insurance companies manipulating consumers' risk awareness, which has a positive effect on popularizing consumers' risk awareness education.
【作者单位】：对外经济贸易大学保险学院;
【基金】：国家自然科学基金项目(71201029) 教育部新世纪优秀人才支持计划对外经济贸易大学学术创新团队和杰出青年学者培育计划的资助
【分类号】：F842.3;F224
【正文快照】： 一、引言保险业声誉不佳、形象不好的问题比较突出,正在不断侵蚀保险业发展的诚信基础,严重损害了保险行业的整体形象,很可能会引发信任危机,这已经成为制约行业发展的突出问题。部分研究探讨了保险业低声誉的成因,如消费者认知偏差、保险供给方诚信缺失、经营不规范、监管主

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