专业保险中介市场运行机制的经济学解释——基于双边市场理论的视角

发布时间：2018-04-13 12:54

本文选题：保险中介市场 + 运行机制　；参考：《南京社会科学》2014年07期

【摘要】：专业保险中介市场作为连接保险人与被保险人的桥梁和纽带,是保险市场的润滑剂和助推器,是矫正由于信息不对称而造成的保险市场失灵的重要组织形式。然而,传统的保险中介市场的理论框架是建立在单边市场理论基础之上的,忽略了保险中介市场显著的"双边市场(two-sided markets)"经济特征,严重脱离了保险实践。这也使传统的中介理论在解释现实保险中介市场的相关问题时显得十分乏力,甚至出现严重偏差。基于此,文章突破传统的研究范式,在深入分析专业保险中介市场运行机制的基础上,刻画出专业保险中介市场的"双边市场"特征。文章还运用双边市场理论阐述了专业保险中介市场运行过程中需要解决的若干关键问题,为我国保险中介市场的发展提供了理论支撑和实践指导,更为相关政策制定部门提供决策参考。
[Abstract]:As a bridge and tie between insurer and insured, professional insurance intermediary market is the lubricant and booster of insurance market and an important organizational form to correct the failure of insurance market caused by information asymmetry.However, the theoretical framework of the traditional insurance intermediary market is based on the unilateral market theory, ignoring the obvious "two-sided markets" economic characteristics of the insurance intermediary market, which is seriously divorced from the insurance practice.This also makes the traditional intermediary theory appear to be very weak and even appear serious deviation in explaining the related problems of the real insurance intermediary market.Based on this, this paper breaks through the traditional research paradigm, and on the basis of deeply analyzing the operation mechanism of professional insurance intermediary market, describes the characteristics of "bilateral market" of professional insurance intermediary market.The paper also expounds some key problems that need to be solved in the operation of professional insurance intermediary market by using bilateral market theory, which provides theoretical support and practical guidance for the development of insurance intermediary market in China.More relevant policy-making departments to provide decision-making reference.
【作者单位】：南京大学商学院;
【基金】：国家自然科学基金项目“双边市场中企业竞争行为的理论与实证研究”(70972032) 国家社科基金重点项目“我国应对国际金融风险的对策研究”(08AJY029)的阶段性成果
【分类号】：F842.4

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