保险经营中道德风险的成因及防范.doc

摘要：我国保险市场的诚信问题日益突出，道德风险是其集中体现，而投保方存在的道德风险问题最为严重。但随着我国保险市场的放开，竞争的加剧，保险中介人与保险人的道德风险行为也呈现上升趋势，这将是研究道德风险成因和采取相应的防范措施成为必要。本文从经济学、法律、诚信价值观、保险人内部管理等角度分析保险经营中存在道德风险的原因，并着重从从建立共享机制、完善法律制度、加强保险人内部管理机制三个方面论述道德风险防范的举措。这些措施的建立和实施，对保险经营中道德风险加以重视防范，对降低目前保险经营中存在的道德风险，具有极其重要的现实意义。

关键词： 保险经营  道德风险  信息不对称  法律制度 

Abstract: At present, the moral risk has become a common phenomenon in insurance business, our country insurance market credibility problem increasingly, moral hazard is the embodiment of the insured and existing problems of the moral risk of the most serious. But as China's insurance market release, competition intensifies, the insurance intermediaries and the insurer of the moral risk behavior also showed a rising trend, it will be the moral risk causes and take corresponding preventive measures become necessary. This paper, from the economics, law, the good faith, the underwriter internal management values analyzed existing in the insurance business and the cause of the moral risk, and emphatically from the establishment of sharing mechanism from, perfect legal system, strengthen the internal management mechanism of the three aspects of the moral risk prevention measures. These measures and the establishment of the implementation of the insurance business ethics in risk taken seriously guard, to reduce the current existing in the insurance business and the moral risk, has very important practical significance.

Keywords: Insurance business; Moral Hazard; Information asymmetry; Legal system 

　　本文认为可以从建立共享机制、完善法律制度、加强保险人内部管理机制三个方面来建立道德风险的防范机制。建立信息共享机制，健全保险中介制度显得尤为重要。而完善保险的法律法规和保险合同的签订也是一项艰巨的任务。抓紧制定配套的法律法规、条例细则, 形成互相衔接、互为补充、成套配套的完善的保险法规体系。当前应着手制定保险监管条例、人寿保险管理规定、财产保险管理规定等等, 为保险公司依法合规经营, 监管部门依法监管营造良好的法律环境。最后要加强保险人的内部管理，使得在保险经营中的各个事项都做到合理、规范、谨慎。所以针对保险经营中道德风险发生的原因，及时建立道德防范机制是十分必要的。