| 保险保障基金制度效应分析——基于中国财险产业组织视角的研究 |
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| 引用本文： | 邵全权,陈月. 保险保障基金制度效应分析——基于中国财险产业组织视角的研究[J]. 财经研究, 2009, 35(9) |
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| 作者姓名： | 邵全权 陈月 |
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| 作者单位： | 南开大学,经济学院,天津,300071;南开大学,经济学院,天津,300071 |
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| 基金项目： | 国家自然科学基金项目(70673043).本文还受南开大学2008年度人文社会科学校内文科青年项目"保险业健康运行评价指标体系研究"(NKQ08062)资助;并且作者感谢王博博士的宝贵建议;但文责自负 |
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| 摘 要： | 文章运用中国16家财险公司1999-2007年的面板数据,考察财险产业组织规律及保险保障基金制度对财险产业组织的影响,结果显示,中国财险业的市场结构与竞争行为正相关,市场结构与绩效正相关,竞争行为与绩效负相关;保险保障基金提取额与市场结构正相关,与竞争行为正相关,与绩效负相关.文章为了体现保险保障基金制度从隐性制度到显性制度的转变,将样本期间分为两阶段,尽管分阶段估计结果发生了一些变化,但并未改变基本结论.
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| 关 键 词： | 保险保障基金制度 财险产业组织 隐性制度 显性制度 |
Analysis of the Effect of Insurance Guarantee Fund System:A Study Based on China's P&C Industrial Organizations |
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| SHAO Quan-quan,CHEN Yue. Analysis of the Effect of Insurance Guarantee Fund System:A Study Based on China's P&C Industrial Organizations[J]. The Study of Finance and Economics, 2009, 35(9) |
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| Authors: | SHAO Quan-quan CHEN Yue |
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| Affiliation: | School of Economics;Nankai University;Tianjin 300071;China |
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| Abstract: | The paper studies the rules of P&C industrial organizations and the impact of insurance guarantee fund system on P&C industrial organizations by using the panel data of 16 Chinese P&C insurance companies from 1999 to 2007.The results that the market structure in Chinese P&C insurance industry is positively related with competition action;market structure is positively related with performance and competition action is negatively related with performance;the premium of insurance guarantee fund is positively ... |
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| Keywords: | insurance guarantee fund system P&C industrial organization implicit system explicit system |
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