摘要
在重复博弈下,声誉激励机制将对个人保险代理人的诚信经营行为产生积极的激励作用,但声誉激励作用的发挥有严格的前提条件。在我国目前个人保险代理人声誉激励机制弱化甚至缺失的状况下,要通过减少个人保险代理人的流动性、建立个人保险代理人声誉等级制度、培育完善的个人保险代理人市场等措施建立完善的个人保险代理人声誉激励机制,有效地缓解信息不对称条件下日益严重的个人保险代理人道德风险问题。
Reputation incentive mechanism will have positive effect on the integrity behavior of personal insurance agents in a repeated game,but there must be strict prerequisites to play the role of reputation incentive mechanism.Currently,reputation incentive mechanism of individual insurance agent weaken or even missing in China,we must reduce the liquidity of individual insurance agents,establish reputation hierarchy of personal insurance agent,cultivate perfect market for personal insurance agent,to design sound reputation incentive mechanism for personal insurance agent,therefore we can decrease moral hazard of personal insurance agent under conditions of asymmetric information.
出处
《湖北经济学院学报》
2013年第4期27-31,共5页
Journal of Hubei University of Economics
关键词
个人保险代理人
声誉激励机制
道德风险
重复博弈
individual insurance agent
reputation incentive mechanism
moral hazard
repeated game theory
