摘要
保险产品是以“经济保障”为本质特征的劳务产品，保险产品的特殊性使其质量度量较一般商品要困难得多。保险产品质量的度量成本是一种交易成本。直接影响保险市场交易活动，成为制约保险业发展的重要因素。降低保险产品的度量成本，关键在于提高保险市场的信息传递效率。需要降低质量度量成本的制度安排。
Insurance products are a service product characterized by ＂economic protection＂. The uniqueness of insurance products makes measurement of its quality more different than ordinary goods. Insurance product quality＇s measurement cost is a kind of trading cost, directly affecting trading activities on the insurance market. Therefore it has become an important factor that restricts development of the insurance industry. The key to lower this cost lies with improving the efficiency of information transmission and enforcement of corresponding policies.
出处
《保险研究》
CSSCI
北大核心
2006年第4期71-73,共3页
Insurance Studies
关键词
保险产品
质量度量
产品质量
交易成本
信息不对称
制度安排
insurance products
quality measurement
product quality
trading cost
information asymmetry
policy arrangement
