我国保险服务贸易竞争力分析

上海交通大学硕士学位论文我国保险服务贸易竞争力分析姓名：陈瑶申请学位级别：硕士专业：国际贸易学指导教师：马晔华20070101200739200739200732GATS206020702001WTOGATS2006200431CAI2DEA4COMPETITIVENESSANALYSISOFINSURANCESERVICETRADEOFOURCOUNTRYAbstractAfterthesignatureofGATSandFinancialServiceTradeTreatment,ithasbeenatrendtoopenfinancialmarkettotheworld,anditishavinggreateffecttowardstheworldeconomy.Moreandmorecountriesareinclinedtoreleasetheircontroltofinance,withtheaimtomakeitsfinancialmarketmoreevenhanded.AlsoTheLiberalizationofFinancialServiceTrademakesthefinancialproductscrossthenationalboundariespossible.Since1960s,somedevelopedcountriesstartedtoputtheLiberalizationpolicyintopractice,andin1970s,withtheinfluenceofFinanceLibertytheoryofMckinnonandShaw,somedevelopingcountriescarriedthispoliceintoexecutioninsuccession.Intheendof2001,ChinasignedthetreatmentofGATSwhenjoiningWTO,accordingtothat,Chinamustcarryoutitspromisetoopentotallyitsfinancialmarket5attheendof2006,andwehavekeptourpromisetoopentheinsurancemarkettotheWorldattheendof2004.MarketOpennessmeansourlocalinsurancecompaniesnowarebecomingpartofworldmarket,andweshouldstrengthenourFinancialServiceTradescompetitivenesstosurviveinthisfiercecompetition.ThisthesiswantstoanalyzethecompetitivenessofourFinancialServiceTrade.Anditisdividedintofiveparts;thefirstpartismainlythebackgroundintroductionofFinancialServiceTrade,someclassictheories.Thesecondpartistryingtoanalyzethelocalandforeigninsurancecompanies`presentsituationanddiscusstherespectivefuturedevelopingway.Andthethirdpartisabouttheinfluenceofliberalizationtosocialbenefit.Themostimportantpartisthefourthone,thisthesisintentstoanalyzefromtwoaspectsmacroaspectandmicroone.Theindexofmacroanalysisare:CAIindexandRCA,Theformeroneisusedtoanalyzeourinsuranceindustryscompetitiveness,thelatteroneistryingtocomparetherelativeadvantageofourFinancialServiceTradesexportwiththatoftheworld.Afterthat,thisthesisisstilltryingtotransfertomicroaspect,insurancecompaniesareseparatedintoPropertycompaniesandLifecompanies,DEAmethodisused6tocomparetheeffectivenessoflocalcompanieswithforeignones.Atlast,somesuggestionsaregiventoimprovethecompetitivenessoflocalones.Keywords:insuranceservicetrade,socialbenefit,competitivenesspropertyinsurancecompany,lifeinsurancecompany91120602070,801979WTOWTO20041018651958198019862005,93,35425,651800,147,,1111980270%90%;56%90%1.2121Smith1776Ricardo18171838Schumpeter20802090120051320032002200314WTO20042.120802090,,1/415,2,.2080WTO2WT015IMF;GATS19941997WTO,,70,19971213,:,;,;,;,50%2001WTOGATS200620042.2GATSGATS1Cross-borderSupply162(ConsumptionAbroad)3(PresenceofNaturePersons)4(CommercialPresence)319957SISDGATS2.32.3.1317(S.Marshal1)(A.Manes)(1998)2.3.2182.4AnnexonFinancialServices1lifeinsurance19non-lifeinsurance2reinsuranceretrocession3insuranceintermediationbrokerageagency4servicesauxiliarytoinsurance4GATSGATS4203.11.Sigma2002200329406.7,89.3235.89%16.28%10.68%88111.6%200420032.3311990200055sigma20052131199020046Developingtrendofworldinsuranceindustryfrom1990to2004200310.520047.420042777.7%15220038.06%10(15.88%)(13.37%)(12.74%)(10.81%)(11.61%)(11.31%)3.33%6:sigma2005223:=/1-1Sigma2004820035660.34058.5287.442003469.6,2763.5,58.7110037007120055716.440.2727sigma112312347sigma200423563.23.2.1,,,,,GDP,202050%,,,GDPGDP,,;,,,2,;,,,,,,2005,4927.3,14,,2411%8;15225.9;;;20061-630802816.9110.231.24%1086857.124.82%93.2.21238://[1]28,()2005184440995004019128192()20031211()2004/20031211152004()()2005341.26.9%4.716.824.5%1.3%0.1324.4293(55%)8.9%6.315%30123431WTO2GATS5.15-15-2325-1Welfareeffectunderrestrictionsituation,completecompetitivenessmarketstructure2PwD5D1Q1Q5PdQ3PWCPPdCF,PdPWPF.PsPWWFPFWS+quota,PqPqQ1Q4Q5Q4Q1Q5Q2Q4PdPWABPqPWFWBAPBWABFPriceCBAWFPD5D4D3D2D1S+quotaPqPWPdSDQuantityQuantity335.25-2Welfareeffectunderrestrictionsituation,Monopolymarketstructure3PwD1MCD1MRdMRd=MCPdQdPwPzQZ,PZPdQdQzABCPdPzGC-AGB,PdPZBC.BD1HPaGFEDCAMRqMRdPdQzQbQdQaPbPzDqMCPwPriceQuantity34QuotaQ-Quota,DqDqDQuotaDqMRqQaPaPdPaPaPzQqQs(MCDqPbQb),DEF(PaPbFH-DHE,PaPbEF),ABC35comparativeadvantageindex,CAIDEA6.1()tttHSEXIMGDP=+11(6-1)HSEXtTIMtTGDPT11[2]3612=(6-2)GDP199820042001WTO19992005GDPRMBEx()Im%199876967.2384411758120.222695382199980579.36203921932820.212137699200088254107802471400.233797902200195727.85227332711000.2455569622002103935.3208893245700.2659030382003116741.2312784564200.3342079172004136584.338078.3612357.40.3809725161TrendofInsurancetrade`sopennessdegree00.10.20.30.40.51998199920002001200220032004yearopennessdegree*1006-1TrendofInsurancetradesopennessdegree12[1]37199820012001WTO20026.2CAI=(Xij-Mij)/(Xij+Mij)(6-3)CAIXij,MijIj-11CAI1-1-10010-1+1.199820043820042003200220012000199919983.823.132.092.272.272.043.8461.2445.6432.4627.1227.1219.3317.58-57.43-42.51-30.37-24.813-24.8133-17.29-13.74-0.88-0.87-0.88-0.8