开放程度对财险业产业组织影响的经济效应——基于新产业组织理论的研究  

Impact of Opening Degree on Industrial Organization of Chinese P/L Insurance Industry——a Study Based on New Industrial Organization Theory

作　　者：江生忠[1] 邵全权[1] 薄滂沱[2] 

机构地区：[1]南开大学经济学院 [2]南开大学滨海学院,天津300071

出　　处：《当代经济科学》2009年第6期56-64,共9页Modern Economic Science

摘　　要：本文根据战略性贸易政策理论,构建了一个包括保险公司努力程度、外资保险公司竞争活动外部性和贸易成本的模型。基于新产业组织理论,对中国保险产业组织进行了实证研究,并考查我国保险市场开放程度对保险产业组织的影响。结果表明:(1)我国财险市场存在过度竞争,竞争侵蚀利润。(2)以FDI衡量的我国财产保险市场的开放程度与保险公司的竞争行为正相关,与市场份额、绩效正相关,但影响程度正在弱化。(3)保险市场开放程度和财险公司竞争活动、经济增长的协同效应体现为此消彼长的替代关系。Based on the theory of strategic trade policy,our study constructs a model including degree of insurance companies,externalities within foreign insurance companies and cost of trade. Due to new industrial organization theory,the analysis focuses on the effect of opening degree to market structure,competition behavior and performance. We also study the effect of opening degree on insurance industry. The results are as follows. (1) Over competition exists in property-liability industry. (2) Opening degree in insurance industry measured with FDI is positively related with market structure,competition behavior and performance. (3) Synergy effects between opening degree and competition behavior and economic growth show a relationship of substitution.

关 键 词：开放程度 外部性 竞争行为 市场结构 绩效 

分 类 号：F842.6[经济管理—保险] F224