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Ökonomische Aspekte einer EU-Richtlinie zur Versicherungsvermittlung

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  • Karten, Walter

Abstract

"Was lange währt wird endlich gut" ist eine Hoffnung, die freilich häufig trügt. Die bekannte Empfehlung der EG-Kommission über Versicherungsvermittler führte weder in der gesetzten Dreijahresfrist für einen Bericht an die Kommission noch danach zu einer entsprechenden rechtlichen Regelung in Deutschland. Auch die Deregulierung des deutschen Versicherungsmarktes im Jahre 1994, die in der bis heute nicht verstummten Fachdiskussion verbreitet als ein gewichtiges Argument für eine Regulierung der Versicherungsvermittlung vorgetragen wurde, hat nicht zu einer Änderung Anlass gegeben. Zur Zeit wird in Brüssel an einem Vorschlag für eine "Richtlinie des Europäischen Parlaments und des Rates über Versicherungsvermittlung" gearbeitet, der am 26. November 2001 zu einem politischen Agreement geführt hat. Dieser Vorschlag ist Anlass für die folgenden Ausführungen, die jedoch nicht auf eine detaillierte Kritik einzelner Formulierungen von geplanten Vorschriften gerichtet ist. Dazu erscheint es in diesem Stadium der Vorbereitungen und in Anbetracht einer ganzen Reihe von Optionen der Mitgliedstaaten für die Konkretisierung der Regelungen bei der Transformation in nationales Recht, noch zu früh. Vielmehr sollen wirtschaftliche Beobachtungen und allgemeinere theoretische Überlegungen, die für eine eher grundsätzliche Beurteilung von Bedeutung sind, erörtert werden.

Suggested Citation

  • Karten, Walter, 2002. "Ökonomische Aspekte einer EU-Richtlinie zur Versicherungsvermittlung," Working Papers on Risk and Insurance 6, University of Hamburg, Institute for Risk and Insurance.
  • Handle: RePEc:zbw:hzvwps:6
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    References listed on IDEAS

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