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如果只从市场集中度判定市场竞争的程度,难以客观地反映出真实状况,本文使用Bresnahan与Lau提出的BL模型,利用非结构的方法使用更多信息分析我国财产保险市场。在财险公司追求利润最大化的假设下建立模型,采用2002年至2009年数据,对模型参数进行估计,从而分析我国财险市场竞争情况。研究发现,我国市场属于高度竞争的垄断竞争市场,呈现高集中高竞争的局面。其中,2005年前后的竞争程度有较明显的差异,并且高额的边计成本也反映出价格竞争的激烈。最后提出了服务与产品创新、最适规模、强化预警三点建议。
If we only judge the degree of market competition from market concentration, it is difficult to objectively reflect the real situation. This paper uses the BL model proposed by Bresnahan and Lau, and uses the unstructured method to use more information to analyze China’s property insurance market. Based on the assumption that Property Insurance Company pursues profit maximization, this paper uses the data from 2002 to 2009 to estimate the model parameters to analyze the competition of property insurance market in our country. The study finds that our country belongs to a highly competitive monopoly competition market, showing a high concentration and high competition situation. Among them, the degree of competition before and after 2005 has obvious differences, and the high side cost also reflects the fierce price competition. Finally, we put forward three suggestions on service and product innovation, optimal scale and strengthening early warning.