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保险诚信的缺失已成为制约中国保险业发展的严重瓶颈。在现实保险活动中,保险人,保险代理人,保险消费者两两之间都存在着不诚信现象,其中以保险代理人和保险消费者之间的不诚信现象最为严重。本文应用经济学模型,如“囚徒困境”模型,从客观,理性的角度分析导致代理人与消费者之间诚信缺失的原因。为了解决保险诚信缺失问题,我们需要建立一个诚信系统,如:加强诚信建设,建立监管体制。
The lack of insurance integrity has become a serious bottleneck restricting the development of China’s insurance industry. In actual insurance activities, insurers, insurance agents and insurance consumers all have the phenomenon of dishonesty, among which the phenomenon of dishonesty among insurance agents and insurance consumers is the most serious. In this paper, we use the economic model, such as “prisoner’s dilemma” model, to analyze the reason of the absence of honesty and trust between the agent and the consumer from an objective and rational perspective. In order to solve the problem of lack of integrity of insurance, we need to establish a system of integrity, such as: strengthening integrity and establishing a regulatory system.