人身保險第二章-文庫吧在線文庫
【正文】 e barriers. ?Not all marketcreate entry barriers are justified. 進入或退出的壁壘 Government create barriers: ?Requirements that insurers secure a license to sell insurance within a jurisdiction. ?Have a certain minimum financial capital base. ?Substantial entry barriers to foreign insurers. ?When governments flatly prohibit the entry of new insurers, what will happen?high price and excess profits 進入或退出的壁壘 Firms create legitimate barriers and society could benefit: ?If an insurer devotes great human, technical and financial resources to developing highly skilled risk selection expertise, it may have created a barrier to entry for petitors—acquiring expertise is difficult and expensive. ?Products and services undergo continuous improvement. ?Firms bee more attuned to that which satisfies customers. ?Competitive edge, also providing greater consumer choice or value. 進入或退出的壁壘 Not all marketcreated entry barriers are justified: ?Some health insurance panies that agreed to set prices or apportion a geographic area among themselves. ?Some firm make misleading statements about itself or its products to gain market share. 進入或退出的壁壘 Market power that arises from concerted action of market suppliers will be suspect. Market power that arises from individual firm action will not be suspect provided its effects are not to mislead or harm customers. Indeed, society benefits when businesses use their skill, foresight, and acumen to gain market power in this way. 規(guī)?；蚍秶?jīng)濟 規(guī)模經(jīng)濟 ：當(dāng)公司的平均產(chǎn)品成本隨著產(chǎn)量的上升而下降時，規(guī)模經(jīng)濟就存在了。 高額利潤，贏得市場支配力。 外部性 產(chǎn)品的所有費用與成本，并非都完全產(chǎn)生于公司內(nèi)部，由公司內(nèi)部完全承擔(dān)。 ?與人身保險有關(guān)的一個極端的負(fù)的外部性是為了死亡保險金的非法獲取而謀財害命 ?保險公司同為金融機構(gòu)，因此也有因其困境導(dǎo)致整個經(jīng)濟系統(tǒng)崩潰的 系統(tǒng)性風(fēng)險。 非對稱信息問題 不存在信息問題 非對稱信息問題 檸檬問題 逆選擇 道德風(fēng)險 委托代理人 檸檬問題 保險消費者對賣者和產(chǎn)品的了解要少于保險公司。 被保險人有動力尋求對自己最
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