本文選題：市場(chǎng)結(jié)構(gòu)　切入點(diǎn)：市場(chǎng)績(jī)效　出處：《南開(kāi)大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：自1980年財(cái)險(xiǎn)業(yè)恢復(fù)起,財(cái)險(xiǎn)市場(chǎng)發(fā)生了極大的變化,市場(chǎng)主體在不斷增多,市場(chǎng)競(jìng)爭(zhēng)程度也逐漸增強(qiáng)。但同時(shí)市場(chǎng)中也出現(xiàn)了較大的問(wèn)題,如財(cái)險(xiǎn)公司不注重發(fā)展效率、財(cái)險(xiǎn)綜合成本率較高,產(chǎn)品差異化程度低,車(chē)險(xiǎn)比重過(guò)大等等。財(cái)險(xiǎn)行業(yè)結(jié)構(gòu)與績(jī)效之間的關(guān)系仍有待解決,而這些問(wèn)題也都需要理論和實(shí)踐經(jīng)驗(yàn)的指導(dǎo)。 本文基于存在市場(chǎng)力量假說(shuō)和效率結(jié)構(gòu)假說(shuō),即SCP理論、相對(duì)市場(chǎng)力量BMP假說(shuō)、效率結(jié)構(gòu)ES假說(shuō)和平靜生活QL假說(shuō)構(gòu)建了理論框架。并在此產(chǎn)業(yè)組織理論框架下進(jìn)行了財(cái)險(xiǎn)結(jié)構(gòu)與績(jī)效的關(guān)系分析,研究針對(duì)我國(guó)財(cái)險(xiǎn)業(yè)出現(xiàn)具體的問(wèn)題,應(yīng)該采用哪種理論,哪種假說(shuō)。其中從行業(yè)、公司兩個(gè)層面進(jìn)行了一定實(shí)證研究：行業(yè)層面,運(yùn)用1999年-2013年的時(shí)間序列,在VAR模型即向量自回歸研究方法的基礎(chǔ)上進(jìn)行了回歸,并在此基礎(chǔ)上使用脈沖響應(yīng)等對(duì)結(jié)果進(jìn)行了一定梳理；公司層面,運(yùn)用中國(guó)2009-2012年的39家中外財(cái)險(xiǎn)公司面板數(shù)據(jù)進(jìn)行了計(jì)量估計(jì)。最終本文得出的結(jié)論是：從行業(yè)層面來(lái)講,保險(xiǎn)市場(chǎng)集中度HHI的提高對(duì)市場(chǎng)績(jī)效ROP有較強(qiáng)的正面影響,市場(chǎng)績(jī)效ROP的提高對(duì)保險(xiǎn)市場(chǎng)集中度HHI的影響很微弱幾乎趨于零。該假說(shuō)與SCP假說(shuō)內(nèi)容基本一致,也就是說(shuō)市場(chǎng)結(jié)構(gòu)與績(jī)效之間只存在這類(lèi)穩(wěn)定關(guān)系的。公司層面來(lái)說(shuō),整體財(cái)險(xiǎn)公司市場(chǎng)份額對(duì)于其經(jīng)營(yíng)績(jī)效的影響很小。 基于以上研究,提出了幾點(diǎn)政策建議：行業(yè)層面,財(cái)險(xiǎn)業(yè)市場(chǎng)業(yè)結(jié)構(gòu)未來(lái)改革與發(fā)展的方向應(yīng)該引入多樣化的市場(chǎng)主體,滿足多樣化競(jìng)爭(zhēng)、差異化競(jìng)爭(zhēng)。除此,也要給予中小保險(xiǎn)公司足夠的政策支持和發(fā)展空間。公司層面,并不是說(shuō)明一定為高的市場(chǎng)份額,采用高回扣、高傭金等便是正確的戰(zhàn)略選擇。而是應(yīng)該提高相關(guān)的效率,降低綜合成本率等。另外,在監(jiān)管方面,應(yīng)完善監(jiān)管機(jī)制,市場(chǎng)退出機(jī)制等,即建立市場(chǎng)化的準(zhǔn)入退出機(jī)制。
[Abstract]:Since 1980, the property insurance industry has recovered, the property insurance market has undergone great changes, the market main body is increasing, the market competition degree is also gradually strengthened. But at the same time, there are also big problems in the market, such as property insurance companies do not pay attention to the development of efficiency. The comprehensive cost rate of property insurance is high, the degree of product differentiation is low, the proportion of automobile insurance is too large and so on. The relationship between property insurance industry structure and performance still needs to be solved, and these problems also need the guidance of theory and practice experience. This paper is based on the existence of market forces hypothesis and efficiency structure hypothesis, that is, SCP theory, relative to market power BMP hypothesis, The efficiency structure es hypothesis and the quiet life QL hypothesis construct the theoretical framework. Under the framework of the industrial organization theory, this paper analyzes the relationship between property insurance structure and performance, and studies which theory should be adopted in view of the specific problems of property insurance industry in China. Which kind of hypothesis. Among them, we have carried out certain empirical research from two levels of industry and firm: industry level, using the time series from 1999 to 2013, based on the VAR model (vector autoregressive analysis). On this basis, we use impulse response to sort out the results. At the company level, we use the panel data of 39 Chinese and foreign property insurance companies from 2009-2012 to estimate the results. Finally, the conclusion of this paper is as follows: from the industry level, The increase of insurance market concentration HHI has a strong positive effect on the market performance ROP, and the improvement of market performance ROP has a weak effect on the insurance market concentration HHI. This hypothesis is basically consistent with the SCP hypothesis. In other words, there is only such a stable relationship between market structure and performance. At the corporate level, the market share of the whole property insurance company has little effect on its operating performance. Based on the above research, several policy suggestions are put forward: at the industry level, the direction of future reform and development of property insurance market structure should introduce diversified market subjects to satisfy diversified competition and differentiated competition. It is also necessary to give small and medium-sized insurance companies sufficient policy support and space for development. At the corporate level, it does not mean that a high market share is certain. The adoption of high rebates and high commissions is the correct strategic choice. Instead, the relevant efficiency should be improved. In addition, in the aspect of supervision, we should perfect the supervision mechanism, the market exit mechanism and so on, that is, to establish the market-oriented admittance and exit mechanism.
【學(xué)位授予單位】：南開(kāi)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F842.65;F224

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