The Application Of The Contract Model In The Safe Market

Asymmetry in the safe market information always is a question that the various countries' insurance field attends focal point and urgently awaits to be solved. Many overseas insurance companies utilized the research results of the information economics to obtain the remarkable result in relaxing the bilateral information of asymmetrical aspect. However, at present, insurance industry of our country also is at the initial stage, national's insurance consciousness is light, the insurance company has the heavy service to insure, the light risk guard management guiding ideology, the risk recognition system and the risk management system is not all perfect, the safe laws and regulations are imperfect. The safe market competition is at one kind of disordered state, all causes the asymmetrical question between the policy holder and insurance company in the safe market of our country to become serious. The insurance company stresses in letting the policy holder take out insurance positively, however, when appearing the accident the compensation question is often difficult to cash, or signs when the contract with the policy holder the amount of indemnification has the very big discrepancy. The policy holder also uses in the safe market that the information is not asymmetrical, namely policy holder knows his own state of health or property condition, but the insurance company does not know, therefore when takes out insurance conceals own actual situation, causes the insurance company to encounter more compensations.The dissertation is organized as follows: Chapter 1 is the article introduction part, introduced this article writing motive, the mentality and the content. Chapter 2 is the literature summarizes, mainly briefed the domestic and foreign research present situation. Chapter 3 first introduced the request. Than this article structures the incentive model about insurance agent in the safe market, obtains that the incentive mechanism is urging the insurance agent to display respective ability fully, enabling them to be possible to make a bigger contribution for the insurance company. This article also proposes the adverse selection model, moral hazard model in the safe market, and has given the real diagnosis analysis, Obtains only affects the accident in...