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Econometric Analysis of Non-life Insurance Industry : Changes in the Post-war Insurance System in Japan

非寿险业的计量分析:日本战后保险制度的变迁

基本信息

批准号：
10630095
负责人：
YONEYAMA Takau
金额：
$ 1.92万
依托单位：
Kyoto Sangyo University
依托单位国家：
日本
项目类别：
Grant-in-Aid for Scientific Research (C)
财政年份：
1998
资助国家：
日本
起止时间：
1998 至 1999
项目状态：
已结题

项目摘要

Theory of industrial organization is not a brand-new field, and we have many papers on several industries. However, there are not so many papers on Japan's non-life insurance industry by using standard econometrics. We aim to make up for the gap and to adopt an orthodox econometrics into the industry.Although we have both the historical studies and the cross-sectional analysis using by econometrics, there are no the cross-sectional and time-series approach to the non-life insurance industry in Japan. In this research, we collected the post-war data as long as we could, and investigated the data of individual insurance company. And then we tried to understand the whole picture of the post-war non-life insurance industry. How to get the picture in this research are that we make a database which we called 'panel data', and examine the industrial organization using both the traditional statistical analysis and the orthodox econometrics.This research show the followings.1. Some characteristics of the post-war non-life insurance industry are made clear by econometrics using panel data.2. We get interesting results that could use in examining the strategy of each insurance company.3. After completed this research, we are possible to compare life insurance and non-life insurance industry. Both industries have been under regulations and supervision by the Ministry of finance long time.By the way, now in Japan, we met the drastic changes in the non-life insurance industry. We are in the era of transformation in insurance system, and it is naturally that the characteristics would be changing. In the near future, after adding data, we would like to reexamine the changes in the industrial organization. Results in this research are an important step to such a study.

产业组织理论并不是一个全新的领域，我们有很多关于多个行业的论文。然而，使用标准计量经济学研究日本非寿险业的论文并不多。我们的目标是弥补这一差距，并将正统的计量经济学引入该行业。虽然我们既有历史研究，也有计量经济学的横截面分析，但对日本非寿险行业还没有横截面和时间序列的方法。在本研究中，我们尽可能收集了战后的数据，并对个别保险公司的数据进行了调查。然后我们试图了解战后非寿险行业的全貌。本研究的具体内容是建立一个我们称之为“面板数据”的数据库，并利用传统的统计分析和正统的计量经济学来考察产业组织。本研究表明： 1．利用面板数据进行计量经济学，揭示了战后非寿险业的一些特征。2．我们得到了有趣的结果，可以用于检查每个保险公司的策略。3。完成这项研究后，我们就可以比较人寿保险和非人寿保险行业。这两个行业都长期受到财务省的监管和监管。顺便说一句，现在在日本，我们遇到了非寿险行业的巨大变化。我们正处于保险制度变革的时代，其特点自然会发生变化。不久的将来，在增加数据后，我们想重新审视产业组织的变化。这项研究的结果是此类研究的重要一步。