外资保险公司进入中国的竞争效应研究

Competitive Effect of Foreign Insurance Companies'Entering China

自20世纪90年代中国保险市场对外开放起,外资保险公司深度参与了中国保险市场的竞争。研究外资保险的进入对于中国保险市场竞争程度的影响具有重要意义。文章基于中国保险业2006年至2018年的数据,实证分析了中国保险业的竞争程度以及外资保险的竞争效应。研究发现,中国保险市场长期处于完全竞争和垄断竞争的状态。进一步地,文章检验了外资保险进入程度对于保险市场竞争程度的影响。研究发现,外资保险公司的数量占比与行业竞争程度有显著的正向关系。

Since the opening of the Chinese insurance market in the 1990s,foreign insurance companies have deeply participated in the competition in the Chinese insurance market.It is of great significance to study the influence of the entry of foreign insurance on the degree of competition in the Chinese insurance market.Based on the data of China's insurance industry from 2006 to 2018,this article empirically analyzes the degree of competition in China's insurance industry and the competitive effect of foreign insurance.The study found that China's insurance market has long been in a state of perfect competition or monopolistic competition.Furthermore,the article examines the influence of the foreign insurance entry on the degree of competition in the insurance market.The study found that the proportion of foreign insurance companies has a significant positive relationship with the degree of industry competition.