市場自律是保險市場監管的重要部分之一，可有效提高監管效率，保障整個保險業持續健康發展。在大陸第二代償付能力監管體系下, 已正式將建設市場自律機制提上日程，以充分發揮市場自律之作用。所以目前大陸保險市場是否存在市場自律是個值得研究的議題。
本研究以2010年至2015年間大陸產壽險公司數據為樣本，通過分析償付能力充足率、保險投訴等变数與保費收入、退保率間的關係，來衡量大陸保險業是否存在市場自律。實證結果發現各变数對保費收入有一定影響，對退保率無明顯影響，且關於風險變動對保險需求變動影響之結果最不理想，即消費者對風險變動狀況的敏感性並不高，表明大陸存在一定程度的市場自律，但作用較弱。 / Market discipline is one of the important parts of insurance supervision, which can effectively improve the efficiency of supervision and guarantee the sustained and healthy development of the insurance industry. Under the China Risk Oriented Solvency System, the construction of market discipline has been formally put on the agenda to give full play to it. Therefore, the existence of market discipline in China’s insurance market is a topic worthy of study.
In this study, to measure the existence of the market discipline, we use the data of the property and life insurance companies from 2010 to 2015 to analyze the relationship between the solvency margin ratio, insurance complaints, etc. and the premium income and termination rate. The empirical results show that those explanatory variables have a certain influence on the premium income, but do not have significant effect on the termination rate. Additionally, the result regarding the impact of a change in risk on the insurance demand is not as predicted, namely insurance consumers are not sensitive to the change of risk. The empirical findings indicate that the insurance market of China has a certain degree of market discipline, but the effect is not very significant.
| Identifer | oai:union.ndltd.org:CHENGCHI/G0103358029 |
| Creators | 文宜 |
| Publisher | 國立政治大學 |
| Source Sets | National Chengchi University Libraries |
| Language | 中文 |
| Detected Language | English |
| Type | text |
| Rights | Copyright © nccu library on behalf of the copyright holders |
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