摘要
本文首先综述了公司治理的多种涵义。从产权理论视角看,投保人与被保险人也是公司治理机制的一方,所以公司治理目标不仅要维护股东的利益,而且要保护保险公司治理结构中弱势方(投保人和被保险人)的剩余索取权和剩余收益权。这为新《保险法》突显保护被保险人和投保人权益提供了理论基础。接着,笔者从产权分析框架、奥尔森的集体行动逻辑理论、囚徒困境博弈、政府干预和资源配置理论视角,分析了新《保险法》对保险公司治理结构的影响。最后,在简述我国目前保险公司治理的现状及存在问题的基础上,分别从公司内部和外部的治理机制出发,分析了新《保险法》对我国保险公司治理的影响。
To start with, the paper explained the connotations of corporate governance. From the perspective of property fights economics, the applicant and the insured were also parties to the corporate governance mechanism, therefore the objectives of corporate governance was to protect not only shareholder fights but also the fights of insurance applicants and the insured who were in a weaker bargaining position. This was the theoretical basis for the highlighting of insurance applicants and the insured protection by the new Insurance Law. The paper then illustrated the impacts of the new Insurance Law on the corporate governance of insurance companies from the angles of the failure of the property fights market and efficiency of property rights allocation. In the end, based on an introduction of the current situation and problems of Chinese insurer＇s corporate governance, the paper analyzed the impacts of the new Insurance Law both internally and externally.
出处
《保险研究》
北大核心
2010年第5期78-83,共6页
Insurance Studies
