保险业中道德风险的产生及防范对策

保险公司是保险业的主体之一,其既承担投保人转嫁的风险,又面临自身经营的风险,因而存在多种风险,其中就有道德风险 在现实经济生活中,道德风险时有发生,其原因:一是我国转轨时期产生的负面效应;二是保险公司的各项管理制度未完善;三是投保人心存侥幸心理和隐藏行动等 对此,应采取:一是加强社会主义道德建设;二是进一步完善保险法律法规、加强全社会诚信体系建设、加强对保险公司的稽核和行政处罚力度;三是发挥保险同业公会的协调力量,加强信息沟通及培训工作;四是保险公司要健全内部控制制度,堵塞各个环节的漏洞,不给道德风险的产生提供可能的空间

Moral Hazard of Insurance Companies and Possible Solutions

There are some kinds of risks for insurance companies including those shifted by the insured and those from management, among which is moral hazard .The reasons of moral hazard occurred in reality are the following: the negative effects in our transformation period; the imperfect management institutions of insurance companies; the trust to luck and hidden actions of the insured and so on. Accordingly, some effective steps should be adopted such as building the socialist moral system, strengthening the laws and rules of insurance profession?furthering the credibility system and the check and administrative penalty for insurance companies?enhancing the coordinative ability of insurance professional unions for information share and training work?establishing inside control institutions of insurance companies to stop up all loopholes which make moral hazard be possible.