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处于信息不对称情况下 ,人们在选择自己的策略时便难以诚信待人 ,由信息不对称衍生出信息寻租行为 ,对正常的保险经营造成极大的负面影响 ,因此必须关注关键业务流程的应对策略 ,从现代管理的角度看 ,解决信息寻租的最好办法 ,一是将信息公开 ,使不对称变得逐渐对称 ;二是加大惩罚力度 ,加重信息寻租者的成本 ,让信息寻租者没有收益 ,二者相辅相成 ,浑成一体。建立健全社会系统的保险信息档案 ,是保险业反信息寻租的基础工作 ,当政府、企业和个人的保险信息档案充分建立起来后 ,保险的天空必将更加明朗。
In the situation of information asymmetry, people choose their own strategy is difficult to treat people with integrity, derived from information asymmetry information rent-seeking behavior, the normal insurance business has a tremendous negative impact, it must focus on key business processes to deal with Strategy, from the perspective of modern management, the best way to solve information rent-seeking, first, open the information so that asymmetry becomes gradually symmetrical; Second, increase penalties, increasing the cost of information-seekers, so that information seeking Tenants did not benefit, the two complement each other, muddled together. Establish and improve the social system of insurance information files, the insurance industry is the basis for anti-information rent-seeking work, when the government, businesses and individuals to fully establish the insurance information files, the insurance sky will be more clear.