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本文在综合研究现有相关文献的基础上,试图给出包括产品差异化、市场集中度、竞争手段、企业经营效益等为主要内容的保险业过度竞争判断依据。并以重庆财产保险业为例,在分析财产保险市场发展现状的基础上,结合其竞争特征,得出保险业过度竞争的经验证据。研究发现,由于经营主体众多、产品同质化、价格竞争以及效益低下等因素,重庆财产保险业的过度竞争明显存在。而由于市场失灵,必要的政府规制行为对促进保险业的适度竞争是必不可少的。
Based on a comprehensive study of the existing literature, this paper attempts to give a basis for judging over-competition in the insurance industry with the main content of product differentiation, market concentration, competition means and business efficiency. Taking Chongqing property insurance industry as an example, based on the analysis of the development status of property insurance market and combining with its competitive characteristics, empirical evidences of excessive competition in the insurance industry are obtained. The study found that due to the large number of business entities, product homogeneity, price competition and low efficiency, Chongqing property insurance industry over-competition obviously exists. And due to market failure, necessary government regulation is essential to promote proper competition in the insurance industry.