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http://v821823041.blogbus.com/logs/148860657.html economic activity in the insurance problem of asymmetric information makes the difficulties of proof individual agents to enhance the management of insurance 1, the insurance market operation mechanism of the defects within the main body, the external pressure Ambassador to mislead the consumer behavior With the resulting subjective motives. First, the diversification of the insurance market, leading to increasingly fierce market competition, the price performance of the vicious competition for the
vibram five illegal rebate, refund and other irregularities, non-price aspects of the cut-throat competition mainly to mislead the consumer and administrative compulsory insurance. Second, the program mandatory assessment mechanism to force the insurance company subsidiaries to pursue individual indicator values, emphasizing short-term business activities. Third, the insurer of the personal representative of the loose management style contributed to mislead the consumer behavior of agents. 1, the insurance regulatory laws and regulations of the contents of the basic changes in the market can not meet the current insurance regulatory laws and regulations in terms of consumer behavior for the less misleading and less; the only binding agent behavior more general our current insurance legislation is not only the principles of and is far too simple and lacks some of the insurance, special regulations, such as the strengthen self-discipline [4] Shi Wen Qing. China Business Insurance Regulatory issues [M]. Economic Science Press, 1999,, p. 1. 3, China's current insurance legislation in the structure there are some problems because of China's civil and commercial legislation late, there has been no Civil Code or the Commercial Code, combined with the legislative branch, law enforcement Zhifa more departments, insurance regulators use the a lot of fine, but to mislead the consumer phenomenon has not been effectively controlled, long a waste of resources and regulatory supervision. column Jiqiong Xiao Wang [3] Sun Qi Xiang. China's insurance industry: contradictions,love bracelet cartier, challenges, and countermeasures [M]. China Financial Publishing House, 2000, p. 1. mislead the consumer behavior if not properly handled, will surrender at any time may lead to wave to form the reality of risk, and ultimately bring the insurance company the insolvency problem. First, do not establish a rapid and effective information delivery system. China Insurance Regulatory Commission and its accredited institutions not yet fully computerized national network, can not guarantee the timeliness of information delivery. Second, do not establish a sound information delivery mechanism. At present only from the insurance subsidiaries of Baojian Ban submitted for the record data to understand the insurance product, and these data are consistent with the China Insurance Regulatory Commission approved version can not be determined. Third, the internal functions of regulatory authorities to be harmonized. Provisions, actuarial, product promotion, financial management, were centralized management of multiple functions, the horizontal flow of information between departments is not sufficient, the lack of co-ordination arrangements. First, to further enhance customer service, establish a national service hotline, 24 hours to provide advice, complaints and return services, master agents of the exhibition industry behavior; Second, the insurance institutions responsive, impartial customer Rights Center, to establish the brand and image of professional services; third is to build a comprehensive insurance service web sites for information on policyholders' information anytime, anywhere; four is to require all companies regardless of the new old insurance, the new single rate of hesitation during a return visit are to be 100%; five provisions of the insurance regulatory authorities must verify whether there is a return visit to mislead the consumer's questions included in the questionnaire; six regulatory authorities on a regular basis is randomly selected companies to policyholders conducted a thorough investigation, verified one case of misleading the consumer behavior punished example. necessary to form a smooth and efficient communication channels in the country and around the world to achieve real-time sharing of insurance information. Second, streamline the information transmission mechanism. A system by government departments to make arrangements to enable the regulatory authorities, insurance companies, insurance consumers and insurance intermediaries can be achieved between a reasonable disclosure of information and mutual communication. Third is to reduce collection costs, within a certain range to establish public information centers, to provide professional information for the public inquiry service, the cost of information collection under certain preconditions. Based on information utility maximization. Fourth, the insurance regulatory measures to mislead the consumer misleading premise, the insured party's insurance often make the wrong choice can not get the best insurance and utility losses. Such as to afford insurance premiums than their purchase decisions, preference for speculative buying insurance products, in the case of unconscious fails to perform the obligation, be tempted to buy a specified policy and so on. crash on certain regulatory pressure 3, China's insurance agent commission system is imperfect for the misleading practices that provided the conditions. Purpose of our individual life insurance agent of commission in the extraction of very uneven distribution of the insurance period, the total commission and the first commission in the initial premium is too high in proportion, most of the sum business accounted for 80% of all commission, and in the proportion of initial premium of 30% -40%, this Old insurance, purchase new insurance. 1, there are a number of opportunistic behavior of individual agents, adverse selection and moral hazard. Individual agents in order to obtain their own interests, misinterpretation insurance policy, to conceal the exclusion of liability insurance policy matters, providing false information to buyers and sellers of the insurance market exacerbated the degree of information asymmetry. 4, the main consumer of insurance, insurance, poor awareness, lack of insurance knowledge to take advantage of misleading the consumer behavior. Course of development of domestic commercial insurance is short, low level of development, public risk insurance awareness is lagging behind. According to the Beijing Future Research Co., Ltd. of the 1997 survey, the residents interviewed, the insurance was do not know 3, insurance terms, insurance terms are too obscure, so that most policyholders can not be completely intuitive access to information. For Baojian Ban recently released a survey of the insurance terms are too obscure and specialized, resulting in up to 74.8% of life insurance customers can not understand the exact meaning, only let marketers of oral interpretation, so there is the door to malicious misleading. Some customers of insurance expertise to understand
vibram 5 fingers sale there are deviations, such as dividends product reasonable. mislead the consumer if the phenomenon of repeated, intensified, the insurance is bound to disturb the market order, so that competition among insurance companies tend to deteriorate , thereby affecting the insurance market as a whole. necessary to run special programs through public media, insurance, publicity, education and guide the public to raise insurance awareness; the second is to speed up professionals training. In universities and vocational schools to set up insurance, professional courses, training, a large number of professional insurance personnel, and through these talents to drive, raise awareness of social insurance; Third, appropriate government intervention to negative reports. At present, China's national insurance system transition not only to overcome their problems, but also face the confidence in the industry. damage to the insured, the insured person's interests as insurance companies and individual agents lack of self-motivation,p90x workout schedule, regulators were forced to increase its efforts to mislead the consumer behavior regulation, market conduct regulation to contain the regulators too much energy, on the one hand led to increased regulatory costs, partly because investment in the energy regulatory solvency deficiencies, making supervision eventually returned to the market conduct regulation of the old ways. time recently, the community reacted strongly to the insurance mislead the consumer behavior, even in parts of the collective surrender events. People in the insurance regulatory authorities, the news department, while complaint, began to question the credibility and image of the insurance industry. 2, a unified social credit system has not been established. At present, China is not a Therefore, even if the insurance consumers with rights awareness, the initiative to ask about the insurer, insurance agent credit situation, but appeared to find no one to turn the embarrassing situation. 2, China's laws and regulations,mbt shoes ireland, poor coordination between the insurance market information to enhance communication and disclosure management Second, the consequences of misleading the consumer mislead the consumer behavior of the common, so a small part of the low quality of the individual agents mistakenly believe that the insurance market is means. April 8, 2002, In the survey, to be accessed agent is On the insurance market to mislead the consumer behavior Paper from information economics, behavioral science and other aspects, combined with the reality of China's insurance market, analyze the causes of misleading the consumer behavior, hazards and countermeasures. Third, the investigation of misleading the consumer behavior of the practical difficulties [6] Liu Dong Jiao. Insurance intermediary system of [M]. China Financial Publishing House, 2000, p. 1. subjective reasons one reason for misleading consumer behavior analysis affected employees in mind in the current situation, we fully reflected in legislation to protect the interests of the insurance principle, and strengthen accountability for breach of contract,
vibram sale not only do not perform detailed description of the obligations of insurers and their agents to punish, but also for cheating the insurer and the insured intermediary institutions and individuals shall be held liable. Some can be combined with the actual development of the current transitional system of regulations, to make up for the lack of law. investigate the laws and regulations to mislead the consumer behavior is not complete First, strict qualification customs, the agent of the old illegal immigrant within the period required to pass an agent qualifying examination for new development of an agent, you must 100% of the certificates; ensure that each individual agent at least 60 hours of training time. The second is the implementation of different levels, levels of the agent management system, the low quality of the business agent of the periodic elimination system. Third, establish a unified national blacklist system. To industry associations as the basis, regularly publish information on violations of law agents, who will be serious breaches of the insurance system is always clear. Fourth, the reform of management system for individual agents, such as the part of individual agents into the insurance company employees, part attributable to the insurance agent. 1, regulators and those being asymmetric information between regulators step up publicity to raise awareness of universal coverage hindered the healthy development of insurance companies object as being regulated insurance companies have set up a customer service management and marketing staff, marketing staff from the morning meeting to reflect the circumstances and the time to analyze customer complaints hot, insurance companies can control their personal agents commissioned by the existence of misleading consumer behavior, the extent of misleading, manner and consequences of such information. The regulators did not specifically engaged in information collection, only complaints from customers, media and other channels to reflect the regulatory object is to mislead the consumer to obtain information. Insurance regulators Q [M]. Guangdong Economic Press, 2002,, 1st edition. develop and improve the system of laws and regulations [2] Peng Xifeng. Insurance Principles [M]. Fudan University Press, 2000, p. 1. to some extent, affected the development of standardization of market order undermine the insurance industry's overall image [5] CHEN first, Wenying. Policyholder interests [M]. Southwest Finance
MBT shoes are stylish and trendy shoes | MBT Shoes online‖MBT ... University Press, 2001,, 1st edition. 2, the internal control system of asymmetric information existing insurance regulators, the lack of supervisory experience a larger proportion of cadres, and the means of supervision is not strong technical, regulatory tools is lagging behind, resulting in market behavior of insurance agents of inadequate supervision. Investigate a case at least to mislead the consumer needs five steps: inquiry agent, visited the policyholders, access to documents, inquiries related to insurance company personnel, reply to policyholders, which is also an objective to mislead the investigation of a wide range of consumer behavior with to the difficulties. First, set up an insurance agent associations, industry self-made conventions, norms insurance agency market behavior. Second, the association must protect the legitimate rights and interests of agents, reducing agents due to unfair treatment, out of revenge arising from misleading conduct. The third is a typical positive esteem, Yang correct marketing idea should strengthen the individual agents of their own professional identity, pride, sense of mission and responsibility. objective reasons 2, the ranks of individual agents form a complex, comprehensive quality and low to find a reason to mislead the behavior attached to the object. First, the personal representative of a complex team. Insurance market in Wuhan, the life insurance industry more than 95% of employees are personal agents, agent distribution is more dispersed. Second, the personal agent of service quality and ethical quality of the overall level is not high. In June 1999, the country only 87 million people have obtained certificates of insurance agents,tory burch outlet, agent rate is far from 100% certified standard, version 1: 140.) Third, the largest single commission agents pursuing goals can easily generate moral hazard. Fourth, the rapid development of the insurance industry to put forward higher requirements for the agent, the agent increased the quality and structure of the insurance market, asymmetric demand imbalance. comprehensive investigation of the current regulatory system was unlikely to mislead the consumer behavior raise the level of insurance services More articles related to topics： Payment of duties and tariffs Zhuizheng tory burch outlet On strengthening the financial c tory burch outlet Variable control of CNC gantry milling machine accessories exc
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