Conflito de agência no consórcio DPVAT: uma análise à luz da nova economia institucional sob a perspectiva da teoria da agência
Autor(a) principal: | |
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Data de Publicação: | 2015 |
Tipo de documento: | Dissertação |
Idioma: | por |
Título da fonte: | Repositório Institucional do FGV (FGV Repositório Digital) |
Texto Completo: | https://hdl.handle.net/10438/15229 |
Resumo: | Different institutional arrangements result in different incentives for performing economic exchanges. Indeed, regulatory frameworks implemented in a particular historical and economic background may produce results different from those originally intended, therefore imposing to the regulator the need for constant monitoring and intervention in order to diagnose and correct or minimize possible distortions in the relationships among actors. Thus, this dissertation is proposed to analyze the operation of the DPVAT Consortium as a connecting mechanism between its various stakeholders. The goal is to check potential conflicts of interest that may arise from the various relationships between these stakeholders – set up by the institutional framework established to the management of the premiums paid by motor vehicle owners for their mandatory motor third-party liability insurance (known as DPVAT insurance in Brazil) – that may foster regulatory intervention in order to avoid such conflicts or, at least, to mitigate them. The survey is based on identifying the expected behavior of economic agents in their own interest, according to the assumptions of the New Institutional Economics from the perspective of the Agency Theory, and on the examination of the main legislative changes in mandatory motor third-party liability insurance in Brazil over the last 50 years. Subsequently, three agency conflicts between DPVAT Consortium stakeholders were identified and analyzed based on theoretical and empirical evidence, arising from: (1) the relationship between the managing body of the DPVAT Consortium (agent) and the insurance companies that are an integral part of the Consortium (principal); (2) the relationship between the managing body of the DPVAT Consortium (agent) and the regulatory body (principal); and (3) the relationship between the insurance company that operates the DPVAT Consortium (agent) and the motor vehicle owners (principal). |
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Duarte, Danielle CavalcanteEscolas::DIREITO RIOLeal, Fernando Angelo RibeiroRagazzo, Carlos Emmanuel JoppertMenezes, Mauricio Moreira Mendonça deCavalli, Cássio Machado2016-02-11T18:41:06Z2016-02-11T18:41:06Z2015DUARTE, Danielle Cavalcante. Conflito de agência no consórcio DPVAT: uma análise à luz da nova economia institucional sob a perspectiva da teoria da agência. Dissertação (Mestrado em Direito da Regulação) - Escola de Direito do Rio de Janeiro, Fundação Getúlio Vargas - FGV, Rio de Janeiro, 2016.https://hdl.handle.net/10438/15229Different institutional arrangements result in different incentives for performing economic exchanges. Indeed, regulatory frameworks implemented in a particular historical and economic background may produce results different from those originally intended, therefore imposing to the regulator the need for constant monitoring and intervention in order to diagnose and correct or minimize possible distortions in the relationships among actors. Thus, this dissertation is proposed to analyze the operation of the DPVAT Consortium as a connecting mechanism between its various stakeholders. The goal is to check potential conflicts of interest that may arise from the various relationships between these stakeholders – set up by the institutional framework established to the management of the premiums paid by motor vehicle owners for their mandatory motor third-party liability insurance (known as DPVAT insurance in Brazil) – that may foster regulatory intervention in order to avoid such conflicts or, at least, to mitigate them. The survey is based on identifying the expected behavior of economic agents in their own interest, according to the assumptions of the New Institutional Economics from the perspective of the Agency Theory, and on the examination of the main legislative changes in mandatory motor third-party liability insurance in Brazil over the last 50 years. Subsequently, three agency conflicts between DPVAT Consortium stakeholders were identified and analyzed based on theoretical and empirical evidence, arising from: (1) the relationship between the managing body of the DPVAT Consortium (agent) and the insurance companies that are an integral part of the Consortium (principal); (2) the relationship between the managing body of the DPVAT Consortium (agent) and the regulatory body (principal); and (3) the relationship between the insurance company that operates the DPVAT Consortium (agent) and the motor vehicle owners (principal).Diferentes arranjos institucionais resultam em diferentes incentivos para a realização de trocas econômicas. Com efeito, estruturas regulatórias implementadas em determinado contexto histórico-econômico podem resultar em consequências diversas daquelas originariamente pretendidas, impondo ao regulador a necessidade de constante monitoramento e de intervenções com vistas a diagnosticar e corrigir ou minimizar possíveis distorções nas relações entre os atores envolvidos. Assim, esta dissertação tem por objetivo analisar o funcionamento do Consórcio do Seguro DPVAT como mecanismo de conexão entre seus diversos stakeholders. Pretende-se analisar a existência de conflitos de interesses derivados das diversas relações entre as partes interligadas – geradas pelo arranjo institucional firmado para a gestão dos recursos arrecadados com os prêmios pagos pelos proprietários de veículo automotor para o Seguro de Danos Pessoais Causados por Veículos Automotores de Via Terrestre, ou por sua carga, a Pessoas Transportadas ou Não (DPVAT) – que possam suscitar intervenção regulatória no sentido de evitá-los, ou, ao menos, mitigá-los. A pesquisa é conduzida a partir da identificação dos comportamentos esperados de agentes econômicos autointeressados, tendo por referência os pressupostos da Nova Economia Institucional sob a perspectiva da Teoria da Agência, e do exame das principais mudanças legislativas havidas na estrutura do seguro obrigatório de trânsito no Brasil nos últimos 50 anos. Na sequência, com base em elementos teóricos e empíricos, foram identificados e analisados três conflitos de agência entre os stakeholders do Consórcio DPVAT: o primeiro seria aquele havido entre a entidade gestora do Consórcio DPVAT (agente) e as sociedades seguradoras consorciadas (principal); o segundo conflito observado refere-se à relação mantida entre a entidade gestora do Consórcio DPVAT (agente) e o órgão regulador (principal); e, por fim, o conflito de agência existente entre a seguradora que administra o referido consórcio (agente) e os proprietários de veículo automotor (principal).porAgency theoryMotor third-party liability insuranceDPVAT insuranceRegulationInsurance regulationDPVAT ConsortiumConflicts of interestRegulaçãoRegulação de segurosConsórcio do seguro DPVATConflitos de interessesTeoria da agênciaSeguro obrigatório de trânsitoSeguro DPVATDireitoSeguro de automóveisResponsabilidade em relação aos acidentes de trânsitoIndenização por acidentesConsórciosEconomia institucionalMandato (Direito)Conflito de agência no consórcio DPVAT: uma análise à luz da nova economia institucional sob a perspectiva da teoria da agênciainfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisinfo:eu-repo/semantics/openAccessreponame:Repositório Institucional do FGV (FGV Repositório Digital)instname:Fundação Getulio Vargas (FGV)instacron:FGVCPDE – Centro de Pesquisa em Direito e Economia (FGV Direito Rio)A regulação do DPVAT: marco regulatório, jurídico e econômicoORIGINALPDFPDFapplication/pdf898489https://repositorio.fgv.br/bitstreams/6b8be865-5604-4e2b-99ed-9c997a22a781/downloada4aaf912a30b7b1326ac452f6227997eMD51LICENSElicense.txtlicense.txttext/plain; charset=utf-84707https://repositorio.fgv.br/bitstreams/d78b84f6-7b5d-49a8-9f80-cd3cfb1613bd/downloaddfb340242cced38a6cca06c627998fa1MD52TEXT2016.01.18_Conflitos.de.Agência.no.Consórcio.DPVAT_pós.defesa.pdf.txt2016.01.18_Conflitos.de.Agência.no.Consórcio.DPVAT_pós.defesa.pdf.txtExtracted 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dc.title.por.fl_str_mv |
Conflito de agência no consórcio DPVAT: uma análise à luz da nova economia institucional sob a perspectiva da teoria da agência |
title |
Conflito de agência no consórcio DPVAT: uma análise à luz da nova economia institucional sob a perspectiva da teoria da agência |
spellingShingle |
Conflito de agência no consórcio DPVAT: uma análise à luz da nova economia institucional sob a perspectiva da teoria da agência Duarte, Danielle Cavalcante Agency theory Motor third-party liability insurance DPVAT insurance Regulation Insurance regulation DPVAT Consortium Conflicts of interest Regulação Regulação de seguros Consórcio do seguro DPVAT Conflitos de interesses Teoria da agência Seguro obrigatório de trânsito Seguro DPVAT Direito Seguro de automóveis Responsabilidade em relação aos acidentes de trânsito Indenização por acidentes Consórcios Economia institucional Mandato (Direito) |
title_short |
Conflito de agência no consórcio DPVAT: uma análise à luz da nova economia institucional sob a perspectiva da teoria da agência |
title_full |
Conflito de agência no consórcio DPVAT: uma análise à luz da nova economia institucional sob a perspectiva da teoria da agência |
title_fullStr |
Conflito de agência no consórcio DPVAT: uma análise à luz da nova economia institucional sob a perspectiva da teoria da agência |
title_full_unstemmed |
Conflito de agência no consórcio DPVAT: uma análise à luz da nova economia institucional sob a perspectiva da teoria da agência |
title_sort |
Conflito de agência no consórcio DPVAT: uma análise à luz da nova economia institucional sob a perspectiva da teoria da agência |
author |
Duarte, Danielle Cavalcante |
author_facet |
Duarte, Danielle Cavalcante |
author_role |
author |
dc.contributor.unidadefgv.por.fl_str_mv |
Escolas::DIREITO RIO |
dc.contributor.member.none.fl_str_mv |
Leal, Fernando Angelo Ribeiro Ragazzo, Carlos Emmanuel Joppert Menezes, Mauricio Moreira Mendonça de |
dc.contributor.author.fl_str_mv |
Duarte, Danielle Cavalcante |
dc.contributor.advisor1.fl_str_mv |
Cavalli, Cássio Machado |
contributor_str_mv |
Cavalli, Cássio Machado |
dc.subject.eng.fl_str_mv |
Agency theory Motor third-party liability insurance DPVAT insurance Regulation Insurance regulation DPVAT Consortium Conflicts of interest |
topic |
Agency theory Motor third-party liability insurance DPVAT insurance Regulation Insurance regulation DPVAT Consortium Conflicts of interest Regulação Regulação de seguros Consórcio do seguro DPVAT Conflitos de interesses Teoria da agência Seguro obrigatório de trânsito Seguro DPVAT Direito Seguro de automóveis Responsabilidade em relação aos acidentes de trânsito Indenização por acidentes Consórcios Economia institucional Mandato (Direito) |
dc.subject.por.fl_str_mv |
Regulação Regulação de seguros Consórcio do seguro DPVAT Conflitos de interesses Teoria da agência Seguro obrigatório de trânsito Seguro DPVAT |
dc.subject.area.por.fl_str_mv |
Direito |
dc.subject.bibliodata.por.fl_str_mv |
Seguro de automóveis Responsabilidade em relação aos acidentes de trânsito Indenização por acidentes Consórcios Economia institucional Mandato (Direito) |
description |
Different institutional arrangements result in different incentives for performing economic exchanges. Indeed, regulatory frameworks implemented in a particular historical and economic background may produce results different from those originally intended, therefore imposing to the regulator the need for constant monitoring and intervention in order to diagnose and correct or minimize possible distortions in the relationships among actors. Thus, this dissertation is proposed to analyze the operation of the DPVAT Consortium as a connecting mechanism between its various stakeholders. The goal is to check potential conflicts of interest that may arise from the various relationships between these stakeholders – set up by the institutional framework established to the management of the premiums paid by motor vehicle owners for their mandatory motor third-party liability insurance (known as DPVAT insurance in Brazil) – that may foster regulatory intervention in order to avoid such conflicts or, at least, to mitigate them. The survey is based on identifying the expected behavior of economic agents in their own interest, according to the assumptions of the New Institutional Economics from the perspective of the Agency Theory, and on the examination of the main legislative changes in mandatory motor third-party liability insurance in Brazil over the last 50 years. Subsequently, three agency conflicts between DPVAT Consortium stakeholders were identified and analyzed based on theoretical and empirical evidence, arising from: (1) the relationship between the managing body of the DPVAT Consortium (agent) and the insurance companies that are an integral part of the Consortium (principal); (2) the relationship between the managing body of the DPVAT Consortium (agent) and the regulatory body (principal); and (3) the relationship between the insurance company that operates the DPVAT Consortium (agent) and the motor vehicle owners (principal). |
publishDate |
2015 |
dc.date.issued.fl_str_mv |
2015 |
dc.date.accessioned.fl_str_mv |
2016-02-11T18:41:06Z |
dc.date.available.fl_str_mv |
2016-02-11T18:41:06Z |
dc.type.status.fl_str_mv |
info:eu-repo/semantics/publishedVersion |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/masterThesis |
format |
masterThesis |
status_str |
publishedVersion |
dc.identifier.citation.fl_str_mv |
DUARTE, Danielle Cavalcante. Conflito de agência no consórcio DPVAT: uma análise à luz da nova economia institucional sob a perspectiva da teoria da agência. Dissertação (Mestrado em Direito da Regulação) - Escola de Direito do Rio de Janeiro, Fundação Getúlio Vargas - FGV, Rio de Janeiro, 2016. |
dc.identifier.uri.fl_str_mv |
https://hdl.handle.net/10438/15229 |
identifier_str_mv |
DUARTE, Danielle Cavalcante. Conflito de agência no consórcio DPVAT: uma análise à luz da nova economia institucional sob a perspectiva da teoria da agência. Dissertação (Mestrado em Direito da Regulação) - Escola de Direito do Rio de Janeiro, Fundação Getúlio Vargas - FGV, Rio de Janeiro, 2016. |
url |
https://hdl.handle.net/10438/15229 |
dc.language.iso.fl_str_mv |
por |
language |
por |
dc.rights.driver.fl_str_mv |
info:eu-repo/semantics/openAccess |
eu_rights_str_mv |
openAccess |
dc.source.none.fl_str_mv |
reponame:Repositório Institucional do FGV (FGV Repositório Digital) instname:Fundação Getulio Vargas (FGV) instacron:FGV |
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Fundação Getulio Vargas (FGV) |
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FGV |
institution |
FGV |
reponame_str |
Repositório Institucional do FGV (FGV Repositório Digital) |
collection |
Repositório Institucional do FGV (FGV Repositório Digital) |
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