保險行業(yè)協(xié)會固定費率行為的合法性研究.pdf

1、分類號UDC學(xué)密埸H1大季YANGZHOUUNIVERSITY碩士學(xué)位論文(全日制專業(yè)學(xué)位)號叢蘭!墨Q!壘壘級——一保險行業(yè)協(xié)會固定費率行為的合法性研究強(qiáng)郡郡指導(dǎo)教師姓名：至丞堂鏊撞：揚劌盤堂，婆菱塹劌：22三QQ窆圈垂基，苤劌吏△基撿盎瞳，姿薟菱劌，2]QQ壘申請學(xué)位級別：論文提交日期：學(xué)位授予單位：碩士2Q]Z生月]Q旦塹劌盤鱟學(xué)科專業(yè)名稱：達(dá)堡亟(達(dá)堂2論文答辯日期：2Q]Z生量月2]旦學(xué)位授予日期：2Q】Z生魚月墨Q旦2017

2、年6月iiii■■_圳5Ⅲ45Ⅲ7，㈣2川3ⅢYAbstractsIITheinsuranceassociationismorespecialthanotherassociations：theinsuranceproducthasthehi。ghhomogeneity，atthesametime，ithasthegreaterintermediarysexTheinsuranceassociationshouldplayaselfdis

3、ciplinedandcoordinatingroleintheinsurancemarket，buttheantitrustenforcementagenciesbelievetheinsuranceassociationviolatesAntitrustLawbecauseitsfixedratebehaviorconstitutesamonopolyandlimitcompetitionintheinsurancemarketIf

4、oundthattheinsuranceassociationfixedratebehavioristhemainformoforganizationinsurancecompanysignedinsurance“selfdiscipline”thoughanalyzingthecasesofbeingpunishedforcardingDeterminingwhetherallactisaviolationofAntitrustLaw

5、isusuallybasedonitsownillegalprinciplesandreasonableprinciplesAcademiccirclesthinkthefixedrateoftheinsuranceassociationfixtheprice，atthesametime，itreducestheefficiencyoftheinsurancecompanyanddamagestheinterestsoftheconsu

6、merInsuranceassociationfixedratebehaviorappliesitselftotheperserulewithoutthinkingpurposesandconsequencesThisarticlethinksthatthefixedratebehaviordoesnotnecessarilyapplytotheperseruleTheperSCruleandthereasonableruleareno

7、tabsolutelydifferent，andtheperseruleisdifficulttoapplyIthinkthatweshouldusethereasonableruletoexaminethepurposeandtheinfluencetoconsumersandcompetitionoftheinsuranceassociationsfixedratebehaviorI也inkthemainpointofthisart

8、icleisthelegitimacyoftheinsuranceindustryfixedratebehaviorbycombingcasesTheacademiccircleshavedifferentideasaboutthisproblemMostpeoplethinkitviolateAntitrustLawbuttherestilleconomistsandinsurersbelievingitslegitimacyThes

9、olutionofthispr00blemCaneliminatethequestionandpromotehealthycompetitionintheinsurancemarketThisarticleanalyzesthemaintypesoffixedrateofinsuranceassociationbycaseanalyzingmethodItexpoundsthedefinitionoflegalityofinsuranc

10、eassociationfixedratebehaviorinUnitedStatedandtheEuropeanUnionbycomparativeresearchmethodThearticlefocusesonthereasonsthattheinsuranceassociationsfixedratebehaviorislegalweneedtohaveaclearinstitutionallegitimacyaboutitan