保险保障基金制度效应分析——基于中国财险产业组织视角的研究
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财经研究 2009 年 第 35 卷第 09 期, 页码：122 - 132
摘要
参考文献
摘要
文章运用中国16家财险公司1999-2007年的面板数据,考察财险产业组织规律及保险保障基金制度对财险产业组织的影响,结果显示,中国财险业的市场结构与竞争行为正相关,市场结构与绩效正相关,竞争行为与绩效负相关;保险保障基金提取额与市场结构正相关,与竞争行为正相关,与绩效负相关。文章为了体现保险保障基金制度从隐性制度到显性制度的转变,将样本期间分为两阶段,尽管分阶段估计结果发生了一些变化,但并未改变基本结论。
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[20]Munch P,D E Small wood.Solvency regulationinthe property-liabilityinsuranceindus-try:Empirical evidence[J].Journal of Economics,1980,11:261-279.
[21]Merton,Robert C.An analytic derivation of the cost of deposit insurance and loan guarantees[J].Journal of Banking and Finance,1977,6:3-11.
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[2]Brewer Elijah III,Mondschean Thomas H.Life insurance company risk exposure:Mar-ket evidence and policyimplications[J].Contemporary Economic Policy,Oxford Univer-sity Press,1993,11(4):56-69.
[5]B Paul Choi.The US property andliabilityinsurance industry:Firmsize,growth and impact of guaranty fund[R].A Paper Submitted to the Aria Meeting,Washington,D C,2006.
[6]Berger Allen,N Cummins,J David Weiss,Mary A.The coexistence of multiple distri-bution systems for financial services:The case of property-liability insurance[J].Journal of Business,1997,10:515-547.
[7]Beenstock M,Dickinson G,Khajuria S.The relationship between property-liability in-surance premiums and income:Aninternational analysis[J].Journal of Risk and Insur-ance,1988,55(2):259-272.
[9]Choi B P,M A Weiss.An empirical investigation of market structure,efficiency,and performance in property-liability insurance[J].Journal of Risk and Insurance,2005,72(4):635-673.
[10]Cummins D,P Danzon.Price,financial quality and capital flows in insurance markets[J].Journal of Financial Intermediation,1997,6:3-38.
[11]Cummins D,J S Tennyson,MA Weiss.Consolidation and efficiency in the US life in-surance industry[J].Journal of Banking and Finance,1999,23:325-357.
[12]Downs D H,D W Sommer.Monitoring,ownership,and risk-taking:The impact of guaranty funds[J].The Journal of Risk and Insurance,1999,66(3):477-497.
[13]J David Cummins.Risk-based premiums for insurance guaranty funds[J].The Journal of Finance,1988,9:823-839.
[14]Grace Martin F.Regulatory forbearance in the property-liability insurance industry[R].Annual Meeting of the American Risk and Insurance Association,1994.
[16]Grace MF,S G Timme.An examination of cost economics in the United States life in-surance industry[J].Journal of Risk and Insurance,1992,59:72-103.
[17]Hong Zou,Mike B Adams.The corporate purchase of propertyinsurance:Chinese evi-dence[J].Journal of Financial Intermediation,2006,4:165-196.
[18]Jung B D.Market structure,conduct,and performance of the U.S.property and liabil-ity insurance industry:Atheoretical and empirical examination[D].Ph.D.Dissertation(University of Texas at Austin),1987.
[19]Lee S-J DMayers,CWSmith Jr.Guaranty funds and risk-taking evidence fromthe in-surance industry[J].Journal of Financial Economics,1997,44:3-24.
[20]Munch P,D E Small wood.Solvency regulationinthe property-liabilityinsuranceindus-try:Empirical evidence[J].Journal of Economics,1980,11:261-279.
[21]Merton,Robert C.An analytic derivation of the cost of deposit insurance and loan guarantees[J].Journal of Banking and Finance,1977,6:3-11.
[22]Viswanathan KS,Cummins J D.Ownership structure changesintheinsuranceindustry:An analysis of demutualization[J].Journal of Risk and Insurance,2003,70:401-437.
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邵全权, 陈月. 保险保障基金制度效应分析——基于中国财险产业组织视角的研究[J]. 财经研究, 2009, 35(9): 122–132.
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