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本文分析了有限责任制度导致寿险公司股东收益风险的不对称性,以及由此带来的保险市场中的一系列问题;提出设立投保人的直索权利制度是引导寿险公司股东收益风险从不对称状态回归至平衡状态,解决由此派生出的寿险经营中相关问题的途径。
This paper analyzes the asymmetric nature of the risk of return of shareholders of the life insurance company caused by the limited liability system and the series of problems in the insurance market. The author proposes that the direct claim right system of the policyholder is to guide the asymmetric The state returns to a balanced state, to solve the resulting life insurance business-related issues in the way.