基于RSCP框架的寿险公司风险与产业组织关系  

The Relationship between Risk and Industrial Organization of Life Insurance Industry——A Study Based on the RSCP Frame

作　　者：王汝志[1] 

机构地区：[1]深圳职业技术学院,广东深圳518055

出　　处：《保险研究》2012年第7期36-49,共14页Insurance Studies

摘　　要：论文基于风险状况(R)—市场结构(S)—公司行为(C)—经济效率(P)的分析框架,通过因子分析计算寿险公司风险,在此基础上进行了寿险公司风险与产业组织关系的实证分析。实证结果表明:风险指数的提升,可以提高寿险公司的市场份额与竞争努力程度,但会降低其经营效率;不同风险特点与规模结构的寿险公司在寿险市场的运行中服从不同的经济规律。Based on the analytical framework of R （risk scenario）, S （market structure）, C （corporate behavior）, and P（ economic performance）, this paper built a new theory to study the relationship between the risk of life insur- ance company and the industrial organization of life insurance industry, using the factor analysis method to build the index system of risk of life insurance companies. The exponential analysis showed that with the increase of risk index, the market share and competitive behaviors of the life insurance company would also increase, but it would decrease the operational efficiency of the life insurance company. And life insurance companies with different risk characteristics and business sizes followed different economic rules in their market operation.

关 键 词：寿险公司 风险 产业组织 

分 类 号：F840.3[经济管理—保险]