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Law versus economics? How should insurance intermediaries influence the insurance demand decision

机译：法律与经济学？保险中介如何影响保险需求决策

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How should intermediaries influence the insurance demand decision? The answer must refer to the interdependence of economic determinants and legal duties. Intermediaries potentially guide demand decisions by delivering objective information and by considering individuals' situation and economic circumstances. The economic theory provides determinants that are essential for the insurance demand decision. Undoubtedly, consumers lack information about certain variables, and therefore misjudge their demand for insurances. In response to the consumer, an intermediaries' task is to discover possible misjudgments and to provide the correct information. Since the information in the insurance market is asymmetrically distributed, an insurance agent has an incentive to behave opportunistically, a tendency that is reinforced by the remuneration scheme in Germany. In 2007/2008, insurance intermediaries became regulated by law. That law states, among other things, the four basic obligations of insurance intermediaries and a liability rule to sanction violations. In order to interpret and substantiate the legal terms, those have to match the relevant economic determinants to state the ideal behavior of an intermediary.
机译：中介机构应如何影响保险需求决策？答案必须涉及经济决定因素和法律义务的相互依存关系。中介机构可能通过提供客观信息并考虑个人情况和经济状况来指导需求决策。经济学理论提供了对于保险需求决策至关重要的决定因素。无疑，消费者缺乏有关某些变量的信息，因此会误判他们对保险的需求。响应消费者，中介者的任务是发现可能的错误判断并提供正确的信息。由于保险市场中的信息是不对称分布的，因此保险代理人会表现出投机取巧的动机，这种趋势在德国的薪酬制度中得到了加强。在2007/2008年，保险中介机构受到法律约束。该法律规定了保险中介人的四项基本义务和违反制裁的责任规则。为了解释和证实法律条款，那些条款必须与相关的经济决定因素相匹配，以陈述中介人的理想行为。

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    Pape Annika;

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  • 年度 2013
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