本文選題：保險行業(yè)協(xié)會 + 固定費率行為��； 參考：《揚州大學(xué)》2017年碩士論文

【摘要】：保險行業(yè)協(xié)會,相較于其他行業(yè)協(xié)會,具有一定的特殊性:保險產(chǎn)品具有高度同質(zhì)性、協(xié)會具有更大的中介性。保險行業(yè)協(xié)會本應(yīng)在保險市場中發(fā)揮著自律、協(xié)調(diào)、指導(dǎo)作用,但是近年來,反壟斷執(zhí)法機構(gòu)認(rèn)為保險行業(yè)協(xié)會固定費率行為構(gòu)成壟斷,排除、限制了保險市場的競爭,違反了《反壟斷法》相關(guān)規(guī)定,是一種違法行為,保險行業(yè)協(xié)會屢屢遭受處罰。通過對被處罰的案例進行梳理分析,筆者發(fā)現(xiàn)保險行業(yè)協(xié)會固定費率行為主要形式是組織保險公司簽訂保險《自律公約》。判定一項行為是否違反《反壟斷法》,通常依據(jù)本身違法原則和合理原則,目前學(xué)界對于保險行業(yè)協(xié)會固定費率行為,普遍認(rèn)為固定保險費率屬于固定價格的行為,限制保險公司就保險費率展開自由競爭,降低保險公司的效率,屬于明顯排除、限制競爭行為,并且損害了消費了利益,因此無需考慮保險行業(yè)協(xié)會固定保險費率的目的、后果,應(yīng)當(dāng)直接適用本身違法原則進行認(rèn)定。本文認(rèn)為固定費率行為并不必然適用本身違法原則,由于本身違法原則與合理原則的范圍并非一成不變,并且在適用本身違法原則時存在一定困難,因此,應(yīng)當(dāng)根據(jù)合理原則考察保險行業(yè)協(xié)會固定險費率的目的、對競爭的影響以及對消費者的影響。通過對以往案例的總結(jié),筆者提煉出本文的研究點主要就在探討保險行業(yè)固定費率行為的合法性問題。對于保險行業(yè)的這一行為,學(xué)界看法不一,雖然主流觀點認(rèn)為其違反了《反壟斷法》的規(guī)定,實踐中也無一例外對其進行處罰,但是仍有眾多的經(jīng)濟學(xué)人士、保險人士認(rèn)為保險行業(yè)協(xié)會的行為并沒有違反《反壟斷法》規(guī)定,保險行業(yè)協(xié)會的行為是一種合法行為。毫無疑問,這一問題的解決既有助于消除各界對此的疑問,也能夠借此規(guī)范保險行業(yè)協(xié)會的行為,促進保險行業(yè)的良性發(fā)展,既有理論意義,也有實踐意義。本文從保險行業(yè)協(xié)會固定費率案例入手,通過案例分析法,分析目前保險行業(yè)固定費率行為的主要類型及形式;通過比較研究法,闡述美國以及歐盟對于該行為的合法性界定;再通過對比分析法,對比學(xué)界、實務(wù)界認(rèn)為保險行業(yè)協(xié)會固定費率行為違反《反壟斷法》的原因,重點闡述筆者認(rèn)為保險行業(yè)協(xié)會固定費率行為合法的理由;最后提出現(xiàn)行制度并沒有明確保險行業(yè)協(xié)會固定費率行為合法性,因此需要從制度上予以明確,同時,由于保險行業(yè)協(xié)會關(guān)乎國計民生,對保險行業(yè)協(xié)會固定費率行為需要予以規(guī)范,保險行業(yè)協(xié)會應(yīng)按照一定的程序厘定純風(fēng)險費率。
[Abstract]:Insurance industry associations, compared with other trade associations, have some particularities: insurance products have a high homogeneity, associations have a greater intermediary. Insurance industry associations should play a role of self-discipline, coordination and guidance in the insurance market. However, in recent years, the anti-monopoly law enforcement agencies believe that the fixed rate behavior of insurance industry associations constitutes a monopoly, which excludes and limits the competition in the insurance market. Violation of the relevant provisions of the Anti-monopoly Law, is an illegal act, insurance industry associations have been repeatedly punished. Through combing and analyzing the cases of punishment, the author finds that the main form of fixed rate behavior of insurance industry associations is to organize insurance companies to sign insurance "Self-discipline Convention". To determine whether an act is in violation of the Anti-monopoly Law is usually based on its own illegal principle and reasonable principle. At present, the academic community generally thinks that the fixed premium rate is a fixed price act for insurance industry associations. Restricting insurance companies to compete freely on insurance rates and to reduce the efficiency of insurance companies are obvious exclusions, limits competition, and impair the interests of consumption, so there is no need to consider the purpose of fixed insurance rates for insurance industry associations. The consequences shall be directly determined by the principle of violation of the law itself. This paper holds that the fixed rate behavior does not necessarily apply the principle of violation of the law itself, because the scope of the principle of violation of the law itself and the principle of reasonableness are not fixed, and there are some difficulties in the application of the principle of violation of the law itself. According to the reasonable principle, the purpose of the fixed insurance rate, the impact on the competition and the influence on the consumers should be investigated. By summing up the past cases, the author abstracts out the research point of this paper mainly discusses the legality of fixed rate behavior in insurance industry. Scholars have different views on this behavior in the insurance industry. Although the mainstream view is that it violates the provisions of the Anti-monopoly Law and it is punished without exception in practice, there are still many economists. Insurers believe that the conduct of insurance industry associations does not violate the provisions of the Anti-Monopoly Act, insurance industry associations act is a legal act. There is no doubt that the solution of this problem can not only help to eliminate the doubts of all walks of life, but also to standardize the behavior of insurance industry associations and promote the benign development of insurance industry, which has both theoretical and practical significance. This paper starts with the fixed rate cases of the insurance industry association, analyzes the main types and forms of the fixed rate behavior in the insurance industry through the method of case analysis, expounds the definition of the legality of the fixed rate behavior in the United States and the European Union by means of comparative research. Then through the comparative analysis, the author compares the reasons for the violation of the Anti-monopoly Law by the fixed rate behavior of the insurance industry association, focusing on the reasons why the fixed rate act of the insurance industry association is legal; Finally, it is pointed out that the current system does not clearly define the legality of fixed rate behavior of insurance industry associations, so it needs to be clarified from the system. At the same time, because insurance industry associations are related to the national economy and the people's livelihood, The fixed rate behavior of insurance industry association should be regulated, and the insurance industry association should determine the pure risk rate according to certain procedure.
【學(xué)位授予單位】：揚州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：D922.294

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