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从经济学意义上看,不解决信息约束问题,完全依靠经济刺激并不能导致经济的最优分配。保险业信息披露应遵循及时性、有效性、充分性、公开性等原则,在保险信息披露中应注重财务信息和非财务信息并重、保险业的信息披露方式应规范明确、统一管理上市和非上市保险公司信息披露行为、明确信息披露的监管主体、满足多方保险业信息使用者的需求、合理预算信息披露成本、明确信息披露的法律责任等。
From an economic point of view, it can not lead to the optimal distribution of economy if we do not solve the problem of information restraint and rely entirely on economic stimulus. Insurance information disclosure should follow the principles of timeliness, effectiveness, adequacy and openness. Pay equal attention to both financial information and non-financial information in insurance information disclosure. Information disclosure methods in the insurance industry should be standardized and regulated, Listed insurance company information disclosure behavior, a clear regulatory body for information disclosure, to meet the needs of multi-party insurance information users, the cost of reasonable budget information disclosure, a clear legal disclosure of information and so on.