【作者】 汤宇；

【导师】 梁平；

【作者基本信息】 重庆大学 ， 产业经济学， 2008， 硕士

【副题名】基于SCP研究模式

【摘要】 改革开放以来,中国保险业一直保持着强劲增长势头,保费年均增长率近30%,近五年保险业总资产的年均增长速度也高达35%。中国保险业的快速成长引起了世界各国保险业的高度关注,中国保险市场作为发展中国家的新兴市场正在迅速崛起。但是,中国保险业的市场竞争极不充分,整体经营绩效低下,无序、恶性竞争屡禁不止,严重削弱了保险业整体竞争力。究其原因,根源在于寡头垄断的市场结构。论文运用产业组织理论SCP的分析框架,以市场结构的规范研究为起点,对中国保险产业市场结构、行为和绩效进行理论和实证分析,探求导致中国保险业市场结构动态变迁、市场行为不规范、市场绩效低下的深层原因,并提出合理可行的对策建议,以便为优化中国保险市场结构、规范市场行为、提高市场绩效提供理论依据和参考。从产业组织理论的研究角度出发,市场结构作为循环的逻辑起点,它决定市场行为和市场绩效,但市场结构、行为、绩效之间是双向互动的关系。市场竞争不充分导致的市场行为的不规范、市场绩效的低下,又决定了我国保险业寡头垄断市场结构短时间内不会骤然改变,其将会随着全球金融保险业的跨国并购、金融“航母”的不断涌现而持续相当一段时间。寡头垄断市场结构具有双重效应,寡头垄断的市场结构与中国保险业国情具有一定的适应性。然而,开放条件下的中国保险市场正处在强劲动态演化之中,中国保险业的长期目标模式应为大中小公司共生、竞争与合作并存的垄断竞争型市场结构。但是,这种演变单纯依靠市场机制的自发作用无法顺利实现,需佐以合理有效的产业组织政策。论文最后指出了中国保险产业组织政策的选择调整方向。对中国保险市场“结构—行为—绩效”之间的内在逻辑关系进行深入、透彻的分析,既可以为保险公司制定企业发展战略提供决策参考,也可以为中国政府制定保险产业组织政策,把握中国保险市场发展趋势提供参考依据。论文运用规范分析与实证分析相结合、定性分析和定量分析相结合的方法,以经济计量分析方法和DEA数据包络分析法为分析工具,实证检验我国保险市场内各产业主体之间的关系。论文将产业组织理论和保险学理论的内容有机融合在一起,从一个全新的角度对二者进行一种理论上的补充和丰富,以期建立符合中国保险市场发展的理论框架和分析预测保险市场发展趋向的基本方法。更多还原

【Abstract】 Chinese insurance industry has been keeping a forceful increasing tendency since reform and opening to the outside world. Its premium growth rate is close to 30 %, and the annual growth rate of its total assets also reaches 35 % in recent five years. As a new developing market, China’s quick rise has aroused great attention in the world insurance. But the competition of Chinese insurance market (CIM) is very deficient, with low performance as well as non-stopped out-of-order and malignant competition. All these problems have weakened Chinese insurance competitiveness seriously. The essential cause that brings these questions is the oligopoly market structure. Taking the canonical analysis on the insurance market structure as the starting point and based on the SCP analytical framework of industrial organization theory, this paper has carried through the theoretical and empirical analysis on CIM structure, behavior and performance, explored the deep cause that led to the dynamic variance of market structure, the nonstandard market behavior and the low performance. Finally, the paper brings forward some feasible proposals with the purpose of providing theoretical basis and reference for optimizing CIM structure, standardizing its behavior and improving its performance.According to industrial organization theory, it is important that market structure should be taken as the logic starting point of the circulation since it determines market behavior and market performance, but there is a two-way interactive relationship between market structure, behavior and performance. The nonstandard market behavior and the low performance caused by the market competition insufficiency, on the contrary, determines the oligopoly market structure. Therefore in China not only the oligopoly market structure can’t disappear abruptly in a short time but also will continue for a long period along with the multinational merge of global insurance and continuous emergence of financial magnate. Although the oligopoly market structure has double effect and some certain adaptability with the situation of China, CIM structure evolves violently now, and its model ought to be monopolistic competition in which large and long period present objected small companies live together, and competition coexists with cooperation. However, this variance has no way to come true smoothly only by depending on spontaneous market mechanism, effective organization policies roust be introduced in this process. Finally, the paper puts forward the adjustment direction of our insurance industrial organization policies. Overall speaking, studying on the inherent logical relationship between CIM structure, behavior and performance intensively can not only provide the reference for insurance companies to make their policy strategy but also offer the basis for our government to work out insurance policies and grasp its trend.The paper uses canonical-empirical and qualitative-quantitative analysis methods, takes econometrics and DEA as analytic tools, to verify the relationship among the main bodies of our directed insurance market. From a new point of view, it combines researches on industrial organization theory and insurance theory together, tries to complete and enrich them on theory, and expects to establish the theoretical analysis frame of CIM development and the analytic way to forecast and analyze CIM tendency.更多还原