摘要
保险业的发展不仅需要大量的实收货币资本，更需要大量的个人或者其他企业提供的劳动和各种服务。其中，保险中介的服务劳动要素最为重要。作为要素供给者的保险销售中介与保险公司之间呈纵向市场关系，在这一关系中保险销售中介被视为上游企业，保险公司是保险销售中介服务的需求者，属于下游企业。因而保险销售中介的要素价格将直接影响到保险产品最终的均衡价格。保险销售中介的市场结构和保险市场的结构共同决定了不同保险市场结构下保险产品的均衡价格形成。
The development of insurance business not only needs a lot of paid-in capital but also depends on many kinds of labor and services from individuals or other enterprises, among which insurance intermediaries provide the most important service. Insurance intermediaries and insurance companies have a vertical market relationship. In this relationship, insurance intermediaries are suppliers, and therefore are regarded as upstream enterprises, and insurance companies as service reeipients are downstream enterprises. As a result, factor price of insurance intermediaries will directly affect insurance commodity＇s equilibrium price formation, and market structure of insurance intermediaries and structure of the insurance market jointly decide insurance commodity ＇s equilibrium price formation under different insurance market structure.
出处
《保险研究》
CSSCI
北大核心
2006年第5期67-68,63,共3页
Insurance Studies
关键词
纵向关系
保险中介
服务要素
保险产品
价格形成
vertical relation
insurance intermediaries
service factors
insurance products
price formation
