摘要
以管理经济学为理论基础,指出我国汽车保险市场模式经历了从完全垄断模式到寡头垄断模式的发展过程。现有的模式带来了保险公司竞争力不足、汽车保险产业风险高度集中和汽车保险中介发展受阻等问题。首次提出了用汽车保险中介的经济效果图来分析寡头垄断对汽车保险中介发展的影响;分析了国际汽车保险市场模式的发展趋势,说明垄断竞争模式是国际汽车保险市场的发展方向。根据汽车保险公司总数与当地汽车保有量的关系,提出了确定保险公司合理总数的计算公式;最后指出随着我国汽车保有量的增加,将逐步建成有近百家保险公司组成的垄断竞争模式的汽车保险市场,并提出了相应的对策建议。
Based on managerial economics, it is pointed out that Chinese automobile insurance market model has developed from perfect monopoly to oligopoly. In the present model, there are less competition of insurance company, high concentrated risk of automobile insurance industry and restraint in insurance intermediate development. An economic effect figure of automobile insurance intermediate is initially proposed to analyze the effects of oligopoly. Then, trend of automobile insurance market model in the world is analyzed and it is indicated that monopolistic competition is a tendency. Furthermore, relationship between the total number of automobile insurance companies and the local automobile amount is discussed. Formula for determining the reasonable number of automobile insurance companies is proposed. Finally, some suggestions for forming a monopolistic competition market with 100 insurance companies are put forward,
出处
《武汉理工大学学报（信息与管理工程版）》
CAS
2006年第2期75-78,共4页
Journal of Wuhan University of Technology：Information & Management Engineering
基金
武汉市科技局软科学研究计划资助项目(20044005070-10-02)
关键词
汽车保险
市场模式
中介组织
automobile insurance
market model
intermediary
