Investigate The Integrity Of The Building Of The Insurance Industry In China

The sincere question in the economic construction of socialist market of our country seems extremely outstanding. The society of different levels pays close attention to the sincere question very much, and academia also pays more attention on how to set up sincere mechanism. The insurance, as the organic component part of the market economic system, depends on sincerity; and sincerity is also the foundation of setting up one's own business of the insurance. One of the basic works of insurance is to improve sincere system and norm sincere order.We can get the data from CIRC that the national insurance regulation system was accepted increased by 51.4% compared with that of last year in 2004, and the number of the incoming telegram and letters the people send in for complaints reach 40,086. Improve the construction of sincere system has already become the first task.The research of good faith question of our country began in 1979, which is also the beginning of reform and open policy. Zhang Weiying is one of scholars who study sincerity. He thinks the reform property right system is the basic way to reconstruct the social credit, in addition, the complete management system and reconstruction of morals culture are all elements of the sincere society.So we say sincerity is not only an ethical key element, but also an economic variable at the same time, in the current society, it enters the market with the dual identity. We all know that there are very great relations between the sincere statement of a society and transaction costs in the society. On the market, each side of the trade is a scattered interest subject, and its business relation is set up on the basis of equal agreement. When they are in trade, they will face different terms of trade. So, they may cause the production of the fraud because of the opportunism behavior of information asymmetry and trade subject.