我国人身保险市场竞争程度和市场规模关系研究

A Study on the Relationship between the Degree of Competition and the Size of the Market in Life Insurance Market in China——Based on the Empirical Analysis of Provincial Panel Threshold model

随着"入世"后金融行业保护期的结束以及党的十八大"市场在资源配置中的决定作用"的经济发展规则的确定,我国人身保险市场的开放程度和竞争程度逐步增强:市场主体数量和种类增多、市场集中度下降、费率市场化程度深化、产品创新层出不穷等。作为肩负保险业发展重任的我国保险监管机构,需要确定自身的监管政策取向,同时保险公司也需要根据监管取向确定自己的发展战略。监管政策的松紧程度直接影响市场竞争程度,市场竞争程度与市场规模的关系为监管机构的政策决策提供参考。本文在梳理相关文献的基础上,以省级行政区域人身保险市场为研究样本,选择适应我国国情的市场竞争程度和市场规模的代表变量,构建面板门槛模型,结合模型实证结果提出促进行业健康发展的建议。

As the end of the protection period for the financial industry after China＇ s accession to the ＂WTO＂, and the stipulation that the market should play the key role in resources allocation by the 18th session of the Party＇ s Congress ,the degree of openness and competition gradually increases in China＇s life insurance market signs of those development including ： the increase and diversity of market players, the decrease of market concentration, the deepening of pricing liberalization, quick succession of product innovation, etc. As the insurance regulator who shoulders the task of promoting development of the insurance industry in China, it needs to determine the regulatory policy orientation. The insurance company also needs to position its development strategy according to the regulatory orientation. The stringency of regulatory policies directly affects the market competition, and the relationship between market competition and the size of the market provides reference for regulatory policy decisions. In this paper, on the basis of combing the relevant literature, and using the life insurance market at the provincial level as the sample, the paper selected variables of degree of competition and market size representative of China and built the panel threshold model. It then posed suggestions on how to promote the healthy development of the life insurance market on the basis of the empirical results.