开放程度、竞争行为对中国寿险业产业组织的影响

本文根据战略性贸易政策理论，构建了一个包括保险公司努力程度、外资保险公司竞争活动外部性和贸易成本的模型。基于开放程度与寿险公司的竞争活动进行了实证研究，并考察我国保险市场开放程度对寿险产业组织的影响。结果表明：（1）我国寿险市场已经脱离恶性竞争阶段，开始进入有序竞争。（2）以FDI衡量的我国保险市场的开放程度与寿险公司的竞争行为正相关，与市场份额、绩效正相关，但影响程度正在弱化。（3）保险市场开放程度和寿险公司竞争活动、经济增长的协同效应体现为此消彼长的替代关系。

The Impact of Opening Degree and Competition on Industrial Organization of Chinese Life Insurance Industry

Based on the theory of strategic trade policy,our study constructs a model including degree of insurance companies,externalities within foreign insurance companies and cost of trade.Our analysis focuses on the effect of opening degree to market structure,competition action and performance,we also study the effect of the degree of opening to life insurance industry.The results show(1) There has no competition abuse in life industry.(2) The degree of opening in insurance industry measured with FDI is positive...