WANG Changyou,WANG Yan,ZHANG Yu.Analysis of Competition and Cooperation Relationship of Property Insurance Companies based onLotka-Volterra Model[J].Journal of Chengdu University of Information Technology,2025,40(05):710-715.[doi:10.16836/j.cnki.jcuit.2025.05.020]
基于Lotka-Volterra模型的财险公司竞合关系分析
- Title:
- Analysis of Competition and Cooperation Relationship of Property Insurance Companies based onLotka-Volterra Model
- 文章编号:
- 2096-1618(2025)05-0710-06
- 关键词:
- Lotka-Volterra模型; 财险; 企业; 竞合关系
- Keywords:
- Lotka-Volterra model; property insurance; enterprise; competing and cooperation relationship
- 分类号:
- O175
- 文献标志码:
- A
- 摘要:
- 随着社会经济的不断发展,中国经济市场为财产保险行业的发展提供了有力的物质基础。近些年随着经济市场体制的不断改革,兴起了一些新兴的财产保险企业,使财产保险公司的数量快速增加,形成了一定的竞争格局。本文将对市场上规模较大的中国人民财产保险和中国平安财产保险两家公司之间的竞合关系进行研究,引入生物数学中的Lotka-Volterra种间竞争模型刻画财险公司的生存环境,选取2004年8月至2023年7月中国人民财产保险和中国平安财产保险两家公司的月保费收入市场份额,通过Eviews软件进行实证分析。研究结果表明,两家财险公司之间的关系为竞争关系,竞争结果是两家财险公司共存于财险市场中。结合当前中国财险市场格局,提出相应策略,为中国财险发展提供一些可参考的理论依据。
- Abstract:
- With the continuous development of the social economy,China’s economic market has provided a strong material foundation for the development of the property insurance industry.In recent years,with the continuous reform of China’s economic market system,some emerging property insurance companies have emerged,which has led to a rapid increase in the number of Chinese property insurance companies and formed a certain competitive pattern.This article will study the competition and cooperation relationship between the large-scale Chinese People’s Property Insurance Company and Ping An Property Insurance Company in the market,and introduce the Lotka-Volterra interspecific competition model in biological mathematics to characterize the survival environment of property insurance companies in China.We selected the market share of monthly premium income of the above two companies from August 2004 to July 2023 and conducted an empirical analysis using Eviews software.The research results showed that the relationship between the two property Insurance companies is competitive,and after a certain period,the result of competition is that the two property Insurance companies coexist in China’s property Insurance market.Finally,based on the conclusions drawn from the analysis and the current situation of China’s property insurance market,some corresponding strategies are proposed to provide some reference theoretical basis for the development of property insurance in China.
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备注/Memo
收稿日期:2023-11-01
基金项目:四川省中央引导地方科技发展专项资助项目(2022 ZYD0005)