| 保险市场结构与非规范竞争 |
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| 引用本文： | 王立军.保险市场结构与非规范竞争[J].保险研究,2009(12). |
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| 作者姓名： | 王立军 |
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| 作者单位： | 辽宁大学经济学院; |
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| 摘 要： | 本文运用产业组织理论和简单的博弈论原理证明,保险企业采用给予折扣等非规范竞争是保险企业经营者的一种理性选择。而具体的非规范竞争行为又与市场需求弹性、保险企业管理水平、承保企业的所有制性质相关。根据对保险市场折扣行为的分析,笔者的结论是监管机构除了对相关行为进行有效监管以外,还要逐步放开费率厘定权、鼓励保险企业进行险种创新并进一步开放保险市场。
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| 关 键 词： | 保险市场 折扣 博弈 |
The insurance market structure and irregular competition |
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| Wang Li-jun.The insurance market structure and irregular competition[J].Insurance Studies,2009(12). |
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| Authors: | Wang Li-jun |
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| Abstract: | This article applies the industrial organization theory and game theory to prove that it is a rational choice by insurance companies to conduct unfair competitions like offering price discounts.Specific acts of unfair competition are associated with market demand elasticity,management levels and ownership of the insurers.According to the discount-giving behavior analysis,the paper comes to the conclusion that besides effective regulation of relevant behavior,the regulator should gradually liberalize product... |
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| Keywords: | insurance market discount game |
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