摘要
我国加入WTO以后，伴随着车险市场改革的逐步深化、市场经营主体的不断增加。车险市场的竞争问题日益突出。本文主要针对我国加入WTO后车险市场的发展变化及竞争特点进行了回顾和评析，总结出当前车险市场竞争的主要特点仍然是恶性价格竞争。并采用了经济学和博弈论的基本分析工具，从偿付能力监管、行业自律、经营主体治理结构、车险自身特点等四个方面，对车险市场恶性价格竞争的成因进行了分析，指出以恶性价格竞争为特点的过度竞争并不能带来预期的市场效率和社会福利，同时针对成因提出了科学合理的对策和建议。
The issue of competition in motor vehicle insurance becomes increasingly prominent with gradual deepening of reform in the motor vehicle insurance market and continuous increase of market participants after China joined the WTO. The article reviews and analyzes post-WTO changes in the market and current competition features. It arrives at the conclusion that current competition is still dominated by vicious pricing competition. The article also delves into the reasons for this vicious pricing competition from the four aspects of solvency regulation, industry self-discipline, governance structure of operational entities, and inherent characteristics of motor vehicle insurance. It points out the over-competition characterized by vicious pricing competition will not bring about market efficiency and social benefits as expected and put forwards solutions and suggestions to these problems.
出处
《保险研究》
CSSCI
北大核心
2006年第4期38-42,共5页
Insurance Studies
关键词
车险市场
偿付能力
行业自律
治理结构
市场效率
motor vehicle insurance market
solvency level
industry self-discipline
governance structure
market efficiency
