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Analysis on property rights in inefficient operation for personal accounts of endowment insurance(PDF)

《长安大学学报（社科版）》[ISSN:1671-6248/CN:61-1391/C]

Issue:
2009年02期
Page:
7-12
Research Field:
本刊关注
Publishing date:
2009-06-20

Info

Title:
Analysis on property rights in inefficient operation for personal accounts of endowment insurance
Author(s):
SUN Wei-hua1; 2;  ZHANG Ying-qin1
1. School of International Business, Shaanxi Normal University, Xi'an 710062, Shaanxi, China; 2. School of Xi'an Creation, Yanan University, Xi'an 710100, Shaanxi, China
Keywords:
endowment insurance;  personal account;  interest of property right;  property system
PACS:
F840.67
DOI:
-
Abstract:
To explore the way to improve operating efficiency of personal accounts system of endowment insurance system, this paper uses the theories of property right and related literatures to analyze the causes of inefficient operation of the system. The analysis shows that the main reasons why personal accounts can not be defined clearly and there is a lack of property rights system. The research finds that the key points lie in the property rights system and sound management system, including clearly defining the private property ownership of personal accounts, fully displaying an efficient function of property rights, strengthening the legislative building of property rights, protecting the rights of private property, well managing individual accounts and co-ordinate accounts, safeguarding the personal property security, fully releasing the personal account information so as to prevent the moral hazard in division and reorganization of property rights.

References:

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Memo

Memo:
-
Last Update: 2009-06-20