保险中介诚信的多维透视与综合治理刘冬姣中南财经政法大学保险.PDFVIP

保险中介诚信的多维透视与综合治理 刘冬姣 （中南财经政法大学保险研究所，湖北 武汉 430073） ［摘要］保险中介人的失信，从经济学角度看主要源自保险中介对诚信成本与收益的权 衡；从社会学角度看与其社会认同度不高、职业化不明显以及全社会中诚信状态相关；从信 息经济学角度看更是与信息严重不对称相关；从法学角度看则与相关法规在保险中介市场实 施的弱化高度有关。因此，保险中介诚信建设需要运用经济治理、技术治理、德治、法治等 多种治理方法进行综合治理，即经济上要加大保险中介失信成本，提高守信的收益；道德上 要强化保险中介道德伦理建设；技术上要充分运用现代信息技术，减小诚信产生的客观条件； 法治上要强调法律制度对诚信的强化和推进作用。 ［关键词］保险中介；诚信问题；保险市场 ［中图分类号］ F840 ［文献标识码］ A ［文章编号］1004-3306（2006）03-0049-06 Abstract： Loss of credibility by insurance intermediaries is mainly due to their perceived tradeoff between credibility cost and credibility gain from an economics perspective, or it is related to their low social recognition, indistinct features as a profession and the current general credibility status of society from a sociology perspective, or it is related to slackened enforcement of relevant regulations to the intermediary market from a legal perspective. Therefore, the construction of the intermediary credibility requires a comprehensive solution that includes economic measures, technical measures and legal enforcement measures. This means that from the economic perspective, both the cost of credibility lost and the credibility gain should be increased, professional ethics should be emphasized and strengthened from the ethical perspective, modern information technology should be fully exploited to reduce the objective conditions for the emergence of credibility loss from the technical perspective, and the role of legislation on strengthening and promoting credibility should be emphasized from the legal perspective. Key words：insurance intermediaries; credibility issue; insurance market 近年来，我国保险市场诚信问题浮出水面。这对于以最大诚信为特征的保险行业，无疑 有着极大的杀伤力。深入分析不难发现：保险中介人的失信是导致保险市场诚信缺失的重要 原因。对其进行深层次研究，寻求解决保险中介诚信问题之“道”，具有重要的现实意义。 一、 保险中介诚信问题的经济学透视