寡占模型与我国保险市场价格竞争问题研究  

On the Oligopoly Model and Price Competition in China's Insurance Market

作　　者：祝向军[1] 刘明东 

机构地区：[1]南开大学风险管理与保险学系,天津300071 [2]中国太平洋人寿保险股份有限公司深圳分公司,深圳518001

出　　处：《金融研究》2003年第3期80-85,共6页Journal of Financial Research

基　　金：中流文教基金;喜马拉雅研究发展基金会资助

摘　　要：我国恢复保险业以来,保险市场经历了由独占市场向寡占市场的过渡。当保险市场打破垄断,我国保险市场中价格竞争就不可避免。但是,保险市场中的恶性价格竞争不仅造成保险公司的偿付危机,更严重的是损害了社会公众利益,降低社会的总体福利水平。本文利用寡占理论对我国保险市场中的价格竞争进行了研究,解释了恶性价格竞争的成因,提出了我国保险公司的竞争策略和保险价格管制的重点。When Chinese insurance market finishes the transition from monopoly to oligopoly, price competition becomes indispensable. However, the bad price competition equilibrium not only causes insurance companies insolvency but also destroys the public interests. Therefore, the author uses the oligopoly theory to analyze the price competition of Chinese insurance market in order to advance Chinese insurance companies how to avoid the bad price competition equilibrium and set the price of their product and advance the key points of price regulation policy.

关 键 词：寡占模型 保险市场 价格竞争 中国 竞争策略 价格管制 公司治理结构 

分 类 号：F842.0[经济管理—保险]