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題 名 | 加入WTO前中國大陸保險業的競爭、結構和效率:實證研究 |
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作 者 | 胡坤; | 書刊名 | 壽險季刊 |
卷 期 | 120 2001.06[民90.06] |
頁 次 | 頁37-53 |
分類號 | 563.7 |
關鍵詞 | 保險; 競爭; 結構; 效率; Insurance; Competition; Structure; Efficiency; WTO; |
語 文 | 中文(Chinese) |
中文摘要 | 本文研究了加入WTO前中國大陸保險市場的競爭、市場結構率。本文首次採用微觀經濟分析的方法,通過分析1996到1999年中國大陸保險企業的財務數據,從獲利面和成本面來評估中國大陸保險企業的運作效率。本文通過對比大型保險企業與中小型險企業,以及綜合性保險企業與專業性保險企業的效率,發現大型保險企業的率並不完全高於小型保險企業,綜合性保險企業的效率則高於專業性保險企業。最後,本文根據研結論,從產業政策、企業戰略和每業監管等三個方面指出了中國大陸保險業的未來發展趨勢。 |
英文摘要 | This paper examines competition, market structure and efficiency in Chinese insurance sectors on the eve of WTO. We use microeconomics analysis method to estimate revenue efficiency and cost efficiency over the period of 1996-1999 using financial data of Chinese insurance companies. We compare efficiency between large insurance companies and small insurance companies, and between composite (business diversified) insurance companies and specialized (business focused) insurance companies. We find that the behavior of large insurance companies (mainly state owned enterprises) was not fully competitive as compared to the behavior of small insurance companies, and composite insurance companies showed much more competitiveness than specialized insurance companies in China. At the end of this paper, we present some underlying trends in Chinese insurance industry, enterprise strategy and insurance regulation, based on our findings. |
本系統中英文摘要資訊取自各篇刊載內容。