QQ客服 官方微博 反馈留言

	保险本质的产权经济学分析——兼与冯冠胜教授商榷; Property Rights Economic Analysis on the Nature of Insurance——A Discussion with Prof.FENG Guan-sheng
	吴祥佑
	2009
关键词	保险本质 产权 等价 收益 均衡 Nature of Insurance Property Right Equality Revenue Balance
英文摘要	保险交易是一种等价、公平的交易。保险风险出险概率低、相关性低的特征决定了被保险人获赔的低概率性和“取丰“与“补歉“的不对等性。保险费经济收益权不确定但均衡;心理收益权则既确定又均衡。保险基金运用的实质是实现其应有的时间价值,保障型保险的基金收益是纯保险费的有机组成部分,被保险人无权分享。在产权经济学的视域里,保险本质是保险费确定性产权与保险金不确定性产权的交换,即确定性财产权与或有性获赔权的交换,确定性的小支出与不确定性的大损失的交换。; Insurance transaction is equal and fair.The characteristics of insurance with low risk probability and low correlation lead to the low rate of getting indemnity for the insured and the inequality of"paying"and"gaining".The economic income of premium is uncertain but balanced;while the psychological income is certain and balanced.The nature to use the insurance funds is to realize its intrinsic time value.The revenue of insurance funds is in itself a constituent of net premium,and the insured has no rights to share it.From the perspective of property right economics,the nature of insurance is a transaction between the certain property right of premium and the uncertain property right of insurance amount,an exchange between certain property right and contingent right of indemnification,and a swap between certain small costs and uncertain big loss.
语种	zh_CN
内容类型	期刊论文
源URL	[http://dspace.xmu.edu.cn/handle/2288/110721]
专题	经济学院－已发表论文
推荐引用方式 GB/T 7714	吴祥佑. 保险本质的产权经济学分析——兼与冯冠胜教授商榷, Property Rights Economic Analysis on the Nature of Insurance——A Discussion with Prof.FENG Guan-sheng[J],2009.
APA	吴祥佑.(2009).保险本质的产权经济学分析——兼与冯冠胜教授商榷..
MLA	吴祥佑."保险本质的产权经济学分析——兼与冯冠胜教授商榷".(2009).

个性服务

查看访问统计

相关权益政策

暂无数据

收藏/分享

除非特别说明，本系统中所有内容都受版权保护，并保留所有权利。