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Concentration, contestabilité et concurrence sur le marché français de l'assurance

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  • Armand-Denis Schor

Abstract

[fre] La configuration du marché français de l'assurance a profondément évolué au cours des deux dernières décennies, et singulièrement depuis la déréglementation bancaire de 1984. À partir de la mise en évidence des spécificités de l'activité d'assurance, l'article cherche à éclairer les relations entre échelle de production et performances dans cette industrie. Le seul effet de seuil significatif paraît lié aux coûts d'acquisition, à la distribution ; les restructurations intervenues sur le marché de l'assurance ne s'expliquent pas par des économies de dimension. À partir de l'analyse de la concentration du secteur et de sa restructuration, une lecture est possible qui prend appui sur la théorie des marchés contestables, sur celle des processus de marché et sur celle des phénomènes de passager clandestin. Par comparaison avec le transport aérien déréglementé, aux États-Unis, exemple classique, l'industrie française de l'assurance paraît présenter, en 1994, les caractéristiques d'un marché contestable. [eng] The configuration of the French insurance market has deeply changed in the last twenty years and especialy since the 1984 bank deregulation. Considering the specificities of the insurance industry, this paper tries to put some light on the relations between scale and performance in this activity. The restructuring noticed in the insurance market cannot be explained by scale economies. In using the analysis of the market concentration and restructuring process, it seems possible to propose an interpretation that leans on the theories of contestable markets, of market process and of the free rider. Compared to the American airline market after the Airline Deregulation Act of 1978, the French insurance industry seems, in 1994, to show the caracteristics of a contestable market.

Suggested Citation

  • Armand-Denis Schor, 1994. "Concentration, contestabilité et concurrence sur le marché français de l'assurance," Revue d'Économie Industrielle, Programme National Persée, vol. 70(1), pages 17-31.
  • Handle: RePEc:prs:recind:rei_0154-3229_1994_num_70_1_1545
    DOI: 10.3406/rei.1994.1545
    Note: DOI:10.3406/rei.1994.1545
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    Cited by:

    1. Fabrice Roth, 2000. "Gouvernement des entreprises et stratégie du dirigeant:une étude clinique dans le secteur de l'assurance," Revue Finance Contrôle Stratégie, revues.org, vol. 3(4), pages 179-199, December.
    2. Fabrice Roth, 2000. "Gouvernement des entreprises et stratégie du dirigeant:une étude clinique dans le secteur de l'assurance," Working Papers CREGO 1000701, Université de Bourgogne - CREGO EA7317 Centre de recherches en gestion des organisations.

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