| 论寿险投保人的直索权利 |
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| 引用本文： | 孙祁祥,朱南军,郑园.论寿险投保人的直索权利[J].北京大学学报(哲学社会科学版),2004,41(1):14-19. |
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| 作者姓名： | 孙祁祥 朱南军 郑园 |
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| 作者单位： | 北京大学经济学院，北京大学经济学院 北京100871，北京100871 |
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| 摘 要： | 本文分析了有限责任制度导致寿险公司股东收益风险的不对称性,以及由此带来的保险市场中的一系列问题;提出设立投保人的直索权利制度是引导寿险公司股东收益风险从不对称状态回归至平衡状态,解决由此派生出的寿险经营中相关问题的途径。
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| 关 键 词： | 有限责任 收益风险不对称 直索权利 |
An Analysis on the Need of the Insured Durchgriffin the Life Insurance Company |
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| SUN Qi-Xiang,ZHU Nan-Jun.An Analysis on the Need of the Insured Durchgriffin the Life Insurance Company[J].Journal of Peking University(Humanities and Social Sciences),2004,41(1):14-19. |
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| Authors: | SUN Qi-Xiang ZHU Nan-Jun |
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| Abstract: | The paper analyzes the asymmetry between the rate of return and the risk of shareholders caused by the system of limited liability in Life Insurance Company and a series of problems to the insurance market thereafter. It is suggested that the setup of insured durchgriff system in the life insurance company could be an effective approach to solve the problems. Meanwhile, relative problems in the management of life insurance derived from the asymmetry could be solved to some extent. |
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| Keywords: | Limited liability Asymmetry between the rate of return and the risk Durchgriff |
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