基于新实证产业组织范式的我国保险市场竞争度检验

发布时间：2018-05-18 23:24

本文选题：保险市场 + 竞争程度　；参考：《保险研究》2014年11期

【摘要】：市场竞争度是衡量保险市场成熟度和效率的重要指标,对于保险市场发展与保险消费者利益保护有重大的指导意义。传统产业组织理论对于市场竞争程度的讨论大多基于市场份额展开,但这只是说明市场组织结构的状况,不能反映真实的市场竞争效率。新实证产业组织范式回归微观经济学的核心问题,即价格以及边际成本,通过超越对数函数测算边际成本,进而使用BL模型、PR模型以及Boone模型衡量市场竞争程度,修正了传统产业组织理论的缺陷。本文使用2008~2012年的我国14家寿险公司、10家财险公司的季度数据共476个观测样本,以及同时期《中国保险年鉴》30家寿险公司、20家财险公司的年度数据共241个观测样本,测算了我国保险市场竞争度的变化。实证结果显示,我国寿险与财险市场的竞争程度都已经比较激烈,财险市场已经接近长期均衡状态下的完全竞争市场。因此,未来保险市场的健康发展应该坚持《国务院关于加快发展现代保险服务业的若干意见》强调的"对商业化运作的保险业务,营造公平竞争的市场环境,使市场在资源配置中起决定性作用"。
[Abstract]:The degree of market competition is an important index to measure the maturity and efficiency of the insurance market, which has great guiding significance for the development of the insurance market and the protection of the interests of the insurance consumers. The traditional theory of industrial organization mostly discusses the degree of market competition based on market share, but this only shows the situation of market organization structure and can not reflect the real market competition efficiency. The new empirical industrial organization paradigm returns to the core problem of microeconomics, that is, price and marginal cost, which are measured by transcending logarithmic function, and then using BL model PR model and Boone model to measure the degree of market competition. Fixed the defects of traditional industrial organization theory. In this paper, the quarterly data of 14 life insurance companies and 10 financial insurance companies in China from 2008 to 2012 are used in this paper. A total of 476 observation samples are used, and 241 observation samples are obtained from 30 life insurance companies in the same period and 20 financial insurance companies from the same period. This paper calculates the change of the degree of competition in China's insurance market. The empirical results show that the degree of competition between the life insurance and property insurance markets in China is already fierce, and the property insurance market is close to the complete competition market under the condition of long-term equilibrium. Therefore, the healthy development of the future insurance market should adhere to the "opinions of the State Council on speeding up the development of the modern insurance service industry", which emphasizes "the commercial operation of insurance business and the creation of a fair and competitive market environment," To make the market play a decisive role in the allocation of resources.
【作者单位】：对外经济贸易大学保险学院;
【基金】：国家社科基金重点项目“风险管理与公司价值的关系研究”(项目批准号:11AJY014) 北京市教委共建项目“北京市公共安全风险管理机制研究” 对外经贸大学研究生科研创新项目(项目批准号:A2012025)
【分类号】：F842

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