银保合作的效率损失研究

发布时间：2018-05-28 23:14

本文选题：银行保险制度 + 契约关系型　；参考：《保险研究》2012年12期

【摘要】：由于参与者的有限理性和机会主义倾向,银保合作的意义在于通过激励和监督机制约束参与者,降低不确定性和交易成本。而只有当合作"有效"时,才能在确保各利益群体"无摩擦"的前提下节约交易费用,实现资源利用净收益大于零。虽然在契约关系型银保合作模式的推动下,我国银行保险实现了长达十年的高速扩张,但与此同时诸如手续费虚高、销售误导以及账外激励等无效率的市场乱象屡禁不止,以致市场竞争无序、行业信誉受损。导致银保合作的效率损失原因主要是参与者之间的激励机制设计普遍表现激励有余,约束却不足。在国际经济走势继续低迷和国内监管政策日趋严格的形势面前,推动银行和保险之间的深度层次合作,促进银保合作转型升级,势在必行,时不我待。
[Abstract]:Due to the limited rationality and opportunistic tendency of participants, the significance of bancassurance cooperation lies in restricting participants through incentive and supervision mechanisms, reducing uncertainty and transaction costs. Only when the cooperation is "effective", can the transaction cost be saved and the net income of resource utilization be more than zero under the premise of ensuring that the benefit groups are "frictionless". Although China's bancassurance has achieved a decade of rapid expansion under the promotion of the contractual relationship type of bancassurance cooperation mode, at the same time, inefficient market chaos such as false handling fees, misleading sales, and off-account incentives has been repeatedly prohibited. As a result of market competition disorder, industry reputation damage. The main reason for the loss of the efficiency of Bancassurance cooperation is that the incentive mechanism design among participants generally shows more incentives than constraints. In the face of the international economic downturn and the increasingly strict domestic regulatory policies, it is imperative to promote the deep cooperation between banks and insurance and to promote the transformation and upgrading of the cooperation between banks and insurance.
【作者单位】：武汉大学经济与管理学院;
【分类号】：F832.3

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