保险业过度竞争研究——以重庆市财产保险业为例  

An Exponential Analysis of Over-competition of the Insurance Industry——Using Chong Qing′s Property Insurance Market as an Example

作　　者：林涌[1] 

机构地区：[1]西南大学经济管理学院,重庆400715

出　　处：《保险研究》2011年第12期33-39,共7页Insurance Studies

摘　　要：本文在综合研究现有相关文献的基础上,试图给出包括产品差异化、市场集中度、竞争手段、企业经营效益等为主要内容的保险业过度竞争判断依据。并以重庆财产保险业为例,在分析财产保险市场发展现状的基础上,结合其竞争特征,得出保险业过度竞争的经验证据。研究发现,由于经营主体众多、产品同质化、价格竞争以及效益低下等因素,重庆财产保险业的过度竞争明显存在。而由于市场失灵,必要的政府规制行为对促进保险业的适度竞争是必不可少的。Abstract： On the basis of reviewing existing relevant literature, the paper tried to justify its viewpoint of insurance industry＇s overcompetition from the aspects of product differentiation, market concentration ,competition methods, and operational efficiency, etc. It then used Chong Qing property insurance market as an example to echo its over - competition assertion with an analysis of the current property insurance market situation and characteristics of competition there. The research revealed that due to the multiplicity of operating entities, product homogeneity , pricing competition and low efficiency, and so on, there was a conspicuous feature of over-competition in the property insurance market in Chong Qing. Due to the phenomenon of market failure,it was necessary for the regulator to impose some regularizing rules to maintain appropriate level of competition in the industry.

关 键 词：保险业 过度竞争 重庆 

分 类 号：F840.32[经济管理—保险]