财经研究
財經研究
재경연구
The Study of Finance and Economics
2008年
4期
16~25
,共null页
寿险市场结构 “入世” 竞争行为 绩效
壽險市場結構 “入世” 競爭行為 績效
수험시장결구 “입세” 경쟁행위 적효
industry organization of life insurance; WTO accession; competition behavior; performance
文章采用2001-2005年中国寿险公司的非平衡面板数据，从微观领域实证研究了中国寿险业市场结构、市场竞争行为、市场绩效之间的关系及“入世”对上述关系的影响。实证结果表明，现阶段我国寿险公司产业组织中，市场份额与竞争努力程度负相关，而市场份额和竞争努力程度均与寿险公司经营绩效正相关。“入世”促使我国寿险公司间的无序竞争向有序竞争转变，对寿险公司经营绩效具有积极作用。
文章採用2001-2005年中國壽險公司的非平衡麵闆數據，從微觀領域實證研究瞭中國壽險業市場結構、市場競爭行為、市場績效之間的關繫及“入世”對上述關繫的影響。實證結果錶明，現階段我國壽險公司產業組織中，市場份額與競爭努力程度負相關，而市場份額和競爭努力程度均與壽險公司經營績效正相關。“入世”促使我國壽險公司間的無序競爭嚮有序競爭轉變，對壽險公司經營績效具有積極作用。
문장채용2001-2005년중국수험공사적비평형면판수거，종미관영역실증연구료중국수험업시장결구、시장경쟁행위、시장적효지간적관계급“입세”대상술관계적영향。실증결과표명，현계단아국수험공사산업조직중，시장빈액여경쟁노력정도부상관，이시장빈액화경쟁노력정도균여수험공사경영적효정상관。“입세”촉사아국수험공사간적무서경쟁향유서경쟁전변，대수험공사경영적효구유적겁작용。
In this paper, we use the data from 2001 to 2005 of China＇s life insurance industry, with the unbalanced panel data method we study Chinese life insurance market structure, market competition behavior and market performance under the influence of the accession to WTO. Empirical results indicate that with the effects of WTO and comprehensive opening, market structure has a significant negative correlation with competition behavior; market structure and competition have significantly positive correlation with companies ＇ operating performance. WTO accession makes blind competition turn to more order, and playes a positive role in company performance.
