我国车险市场承保周期研究——基于费率管制与市场准入限制的影响  

Underwriting Cycles of China's Auto-insurance Market:The Impacts of Premium Rate Control and Market Entry Restrictions

作　　者：于丽娜[1] 

机构地区：[1]中国人民大学财政金融学院,北京100872

出　　处：《保险研究》2013年第3期73-80,共8页Insurance Studies

摘　　要：对车险承保周期的研究,传统上是从"价"的角度着手,以单位价格(保费/赔付额)和承保利润率为指标,来考察承保周期的波动特征。然而,我国车险市场中存在两个特殊的局限条件:费率管制和市场准入限制。费率管制的存在,使保费收入不能反映车险业务的真实情况,从而以保费为基础的传统研究指标也不能用于对我国车险市场的研究。基于此,本文转换分析的角度,从"量"入手,以赔付额来描述车险市场的承保周期。研究发现,我国车险市场存在承保周期,周期平均长度为5.33年,并且市场准入限制是影响车险承保周期的重要原因。Studies on the underwriting cycles of auto-insurance markets usually focuses on the price （premium） factor, using unit price,i, e. premium to claims payout, and underwriting profits to track the cyclical fluctuation of business underwriting. However,there are two restrictive conditions unique to China＇ s auto insurance market： premium rate control and market entry restriction. The existence of price controls lead to the situation that premium in- b come doesn＇t reflect the market situation accurately. Therefore premium-based traditional research indicators cannot be applied to China＇ s auto-insurance market. Accordingly, though proceeding from ＂volume＂, this paper adopted a new approach using the claims payout to depict the underwriting cycle of auto-insurance market. This paper found out that there existed an underwriting cycle in China＇ s auto insurance market, and the average length of the cycle was 5.33 years. Moreover, the market entry restriction was a main affecting factor to the underwriting cycle.

关 键 词：承保周期 市场局限条件 赔付额 

分 类 号：F842.3[经济管理—保险]