On The Construction Of The Chinese Insurance Assessment System

一,The research topic and the significance of the topicInsurance intermediary is indispensable for the development of insurance industry. The insurance intermediary includes insurance agent, insurance broker and insurance adjuster. At present, Chinese insurance adjuster is in its rudimentary stage; systematic studies on insurance adjuster are in badly need. This dissertation will systematically discuss the establishment of Chinese insurance adjuster institution. 二, Innovation of this dissertationCompared with the present literatures on insurance adjuster, the main innovation of this dissertation is the analytic tools of new institutional economics, especially, the theory of institutional change are used to analyze Chinese insurance adjuster institution. 三,Structure of this dissertation The dissertation consists of four sections.Section one: Brief explanation of insurance adjuster and why insurance adjuster came into being.This section is divided into three subsections. The first subsection briefly explains insurance adjuster and insurance adjuster institution. The author holds that insurance adjuster is the core of insurance adjuster institution. Insurance adjuster's basic feature is its independence to the insurer and the insured. An insurance adjuster is an independent provider of professional techniques. The second subsection studies the cause of why insurance adjuster institution came into being. Two factors caused insurance adjuster institution to come into being: one is the effect of scale economy; the other is the requirement to reduce transaction cost. The third subsection explores how scale economy and transaction costs affect the insurance adjuster institution by using the case of England.Section two: Developed countries' insurance adjuster institution and the enlightenments we can learn from them.For different countries have different social environments, different insurance adjuster institutions are developed. Generally speaking, countries with advanced insurance industry have advanced insurance adjuster institution. This section studies insurance adjuster institutions of England, America and Japan. On the basis of the study, we can learn that a strict qualification examination and relaxation of adjusting operation limits are beneficial to insurance adjusting development.Section three: Constructing Chinese insurance adjuster institution.Using analytic tools of new institutional economics, this section studied the causes, way and contents of constructing Chinese insurance adjuster institution. This section consists of four subsections. Subsection one: The history and present situation of Chinese insurance adjuster institution.Firstly, a review of the history of Chinese insurance adjuster was carried out, and then, the author analyzed the present situation from supply and demand aspect. In supply aspect, the government should take positive measures to foster suppliers of claims adjusting services. In demand aspect, the demanders of claims adjusting services can be divided into direct demanders and indirect demanders. From the findings report of Guangzhou insurance adjusting market we can see that most demanders are satisfied with the services of insurance adjusters.Subsection two: The reasons for the Chinese insurance adjuster institution came into being.Four reasons account for the occurrence of Chinese insurance adjusting industry. They are the change of institution set, the development of techniques, the change of demand for institutional service and the change of other institutions. In this section, the author expounded thoroughly how these four factors make insurance adjuster institution came into being in China.Subsection three: The way to construct Chinese insurance adjuster institution.In new institutional economics, institutional change can be divided into induced change and forced change. Accordingly, insurance adjuster institutional change can also be divided into induced change and forced change. Compared with forced insurance ad...