中国保险产业市场结构与绩效研究

【作者】 孙峰；

【导师】 雷定安；

【作者基本信息】 青岛大学 ， 金融学， 2005， 硕士

【摘要】 我国的保险产业尽管起步较晚,但自改革开放以来却取得了令人瞩目的成就。保险产业已成为我国市场经济中不可缺少的行业,在国民经济发展和社会安定方面扮演着重要角色。但是,保险产业的低效率已不能适应我国国民经济快速发展的需要,已不能适应保险产业入世后激烈的市场竞争对民族保险产业综合竞争力所提出的挑战。所以,本文在收集大量数据的基础上,进一步研究了我国保险产业的市场结构与市场绩效间的关系,分析了市场结构对于市场绩效的影响以及当前影响我国保险产业绩效水平的主要因素。本文运用产业经济学的理论工具,从独特的视角入手,对我国保险产业的市场结构与绩效关系从理论与实证两个方面进行较为深入的分析,对我国保险产业市场结构进行宏观上的实证分析,对保险公司的绩效进行微观上的计量。最后,通过计量模型对我国保险产业市场结构与绩效之间的关系进行检验,进一步验证了我国保险产业市场中“SCP假说”和“有效结构假说”都不成立的理论观点,并发现在某种程度上混合的“共谋—有效结构假说”成立这一结论。最后,在结合我国保险产业市场的实际情况下,进一步分析了实证结果存在的原因,并提出了改善我国保险产业市场结构提高市场绩效的政策建议。希望能为我国保险产业理论的研究及保险产业发展策略的制定提供一点点的参考与积累。更多还原

【Abstract】 Although our insurance industry have a short history, it has made a great progress after reinstating the domestic insurance business in 1980.Today the insurance industry is playing a very important role in developing domestic economy and stabilizing our country. It is essential to our market economy system can operate really. But the shortcoming and low operation efficiency existing in China insurance industry has not being suit to the development of domestic economy and the intensive competition resulting form the internal insurance and foreign insurance companies which will enter the China insurance market in the future. So in this paper, from the special point we select a lot of data and use the theoretical instrument of industry organization theory to study the between the insurance market structure and performance by demonstrational and the theoretical means. There are macroscopic demonstrational studies of market structure and macrocosmic measure of insurance companies performance in Chinese insurance industry. At last we demonstrate the relationship between the insurance market structure and performance and analyses empirically whether the "Efficient Structure Hypothesis" and "S-C-P Hypothesis" are suit to our insurance market. According to the outcome we find they are not all existence in our insurance market. At the same time it is indicated that our insurance industry is still in the stage which the insurance companies decrease the market share by expanding their operation scale continually. The analysis have made known the operation cost and efficiency is the important factors influencing our insurance industry performance. At the end of this paper, we give some suggestions to perfect our insurance market and improve the insurance market performance. I hope my sturdy can offer some reference and theoretical accumulations for studying insurance industry theory and making the policies.更多还原