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Análise da indústria de seguros brasileira a partir do modelo Estrutura-Conduta-Desempenho (ECD): 2003/2020

Author

Listed:
  • Fabrício Zacchè Siqueira

    (Universidade Presbiteriana Mackenzie (UPM))

  • Ã lvaro Alves de Moura Jr.

    (Universidade Presbiteriana Mackenzie (UPM))

Abstract

The insurance sector, open supplementary pension and capitalization sector has shown great advances in the supply of new products and services from 2003 to 2020, and consistently showing a growth in the volume of revenues and their participation in the national economy. From the perspective of efficient resource allocation, long-term savings and risk management, the insurance market has also been contributing to greater efficiency and economic growth in the national financial sector. In this sense, the purpose of this paper is to present a sector analy-sis of the insurance market in Brazil. Therefore, the work will be carried out based on the Structure- Conduct-Performance (SCP) model. Among the main results of the research, it is noteworthy that the sector is classified as a low-concentration oligopoly, as well as has high barriers to entry associated, mainly, with the national regulatory system; in terms of conduct, current innovations are affecting both the structure and performance of the insurance market, in addition to the recent growth in mergers and acquisitions operations; finally, it is worth highlighting the high financial results of the sector in recent years analyzed.

Suggested Citation

  • Fabrício Zacchè Siqueira & à lvaro Alves de Moura Jr., 2022. "Análise da indústria de seguros brasileira a partir do modelo Estrutura-Conduta-Desempenho (ECD): 2003/2020," Revista de Economia Mackenzie (REM), Mackenzie Presbyterian University, Social and Applied Sciences Center, vol. 19(2), pages 102-135, july-dece.
    • Handle: RePEc:aft:journl:v:19:2:2022:jul:dec:p:102-135
    DOI: 10.5935/1808-2785/rem.v19n2p.102-135
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    More about this item

    Keywords

    insurance market; SCP model; Brazil; competition; Susep.;
    All these keywords.

    JEL classification:

    • L1 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance
    • L13 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Oligopoly and Other Imperfect Markets
    • L51 - Industrial Organization - - Regulation and Industrial Policy - - - Economics of Regulation

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