摘要
随着中国金融市场的逐渐开放,外资保险在我国也取得了很大的发展,对我国保险市场的影响在逐渐扩大。本文将从中国保险市场结构入手来研究外资保险与中资保险之间的竞合关系。文章借鉴生物界种群竞争的Lotka-Volterra模型来刻画我国范围内中外资人身险的生存环境,选取了2004年8月至2018年9月中外资人身险月保费收入市场份额进行了实证分析,研究结果表明,(1)中外资人身险机构在我国表现为互惠共存的竞争状态;(2)2008年后中外资人身险的自身扩张能力均有所下降,但中资人身险的竞争力有很大的提高,外资人身险的竞争力却在下降。最后根据分析得到的结论,提出一些相应的策略,从而为我国人身险健康发展提供了一些可供参考的理论依据。
With the gradual opening-up of China's financial market,foreign insurance has also made great progress in China and its influence on China's insurance market is gradually expanding.This article,starting with the structure of China's insurance market,studies the competing relationship between foreign insurance and Chinese insurance.Based on the Lotka-Volterra model of biological population competition,this paper describes the living environment of domestic and foreign personal insurance,and selects the market share of monthly premium income of domestic and foreign personal insurance from August 2004 to September 2018 for empirical analysis.The research results show that domestic and foreign personal insurance institutions are in a state of reciprocal competition in China and that after 2008,the self-expansion ability of Chinese and foreign personal insurance has declined,but the competitiveness of Chinese personal insurance has greatly improved,while that of foreign personal insurance has declined.Finally,according to the conclusion of the analysis,some corresponding strategies are put forward,thus providing some theoretical basis for the healthy development of personal insurance in China.
引文
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