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我国国内财产保险业务自1980年恢复以来虽然取得了很大成绩,但依旧存在较多问题,特别是市场集中度偏高,导致市场竞争长期处于低水平竞争状态。本文根据市场份额将我国财险公司划分为在位者与竞争者两类,应用Stackelberg博弈模型,对在位者与竞争者的保险价格竞争从单时期和多时期两个层次进行分析,得出在财险市场中,单纯的价格竞争是无效的,并建议从产品和服务的创新、投资、成本管理和客户信息搜集与管理四方面协助价格竞争的展开。
Although China’s domestic property insurance business has made great achievements since its restoration in 1980, many problems still persist. In particular, market concentration is high, leading to long-term market competition at a low level of competition. Based on market share, this paper divides China’s property and casualty insurance companies into two types: incumbent and competitor. Using the Stackelberg game model, this paper analyzes the insurer price competition between incumbent and competitor from single and multiple periods, In the property insurance market, pure price competition is ineffective, and it is proposed to assist in the price competition in terms of product and service innovation, investment, cost management and customer information collection and management.