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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。
This paper uses the theory of industrial organization and simple game theory to prove that non-standard competition such as discounts offered by insurance companies is a rational choice for insurance business operators. The specific non-standard competition behavior and market demand flexibility, insurance business management level, underwriting ownership of enterprises related to the nature. According to the analysis of discount behavior in the insurance market, the author concludes that in addition to effectively supervising related behaviors, regulators should gradually liberalize tariffs and encourage insurance companies to innovate their insurance policies and further open the insurance market.