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Ökonomische Aspekte der Entlohnung und Regulierung unabhängiger Versicherungsvermittler

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  • Schiller, Jörg

Abstract

Die Entlohnung und Regulierung unabhängiger Versicherungsvermittler, wird aktuell vor allem vor dem Hintergrund der Bedeutung und Zukunft der Honorarberatung und -vermittlung intensiv diskutiert. Im Rahmen des vorliegenden Beitrags werden zunächst wichtige ökonomische Erkenntnisse zur Vertriebswegewahl von Versicherungsunternehmen dargestellt. Aufbauend auf zentrale betriebs- und gesamtwirtschaftliche Funktionen unabhängiger Versicherungsvermittler wird untersucht, wie durch unterschiedliche Entlohnungsformen Vermittlern effiziente Anreize gesetzt werden können. In diesem Zusammenhang wird auch der Frage nachgegangen, ob und inwieweit Regulierungsmaßnahmen, wie zum Beispiel ein generelles Verbot oder die Offenlegung von Provisionszahlungen sowie das sogenannte 'Provisionsabgabeverbot', notwendig und geeignet sind, die Effizienz von Versicherungsmärkten zu erhöhen. -- The compensation and regulation of independent intermediaries is an important issue in insurance markets. With this respect, the profitability and importance of fee-for-service and commission compensation of intermediaries is lively discussed in academia and in the insurance industry. This paper summarizes economic rationales why and in which lines of business insurance companies sell their products via independent intermediaries. With this respect, it is analyzed how different forms of compensation affect important market functions of independent intermediaries. Finally, the economic impact of certain regulatory interventions, like a mandatory disclosure or a general ban of any commissions and the German ban for intermediaries to share commission with policyholders, on market efficiency is discussed.

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Bibliographic Info

Paper provided by University of Hohenheim, Center for Research on Innovation and Services (FZID) in its series FZID Discussion Papers with number 18-2010.

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Date of creation: 2010
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Handle: RePEc:zbw:fziddp:182010

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