浅析委托代理理论在保险组织形式中的应用

国际上保险业的组织形式范围非常宽泛,而我国保险组织形式比较单一,只有国有独资保险公司和股份制保险公司两种形式.用委托代理理论分析各种保险业组织形式的代理问题,总结了发达国家治理代理问题的经验,并提出我国控制保险委托成本的对策.

The Application of the Principal-agency Theory in the Form of Insurance Organization

The scope of the insurance organization forms in the world is very broad, but the form of the insurance organization in China is more single, there are only two forms of insurance organization in China, state-owned solely funded insurance company and shareholding insurance company. By using the Principal-agency Theory, this paper analyzes the agency problem of various organization forms of the insurance business, sums up the experiences of the developed countries in the aspect of controlling the agency problem, and puts forward some countermeasures for our country to decrease the principal cost.