我国保险业市场结构:现状与趋势分析  

An Analysis on the Current Situation and Development Trend of Insurance Market Structure in China

作　　者：秦振球[1] 俞自由[1] 周淳[1] 

机构地区：[1]上海财经大学金融学院,上海200083

出　　处：《财经理论与实践》2002年第6期36-39,共4页The Theory and Practice of Finance and Economics

摘　　要：根据保费收入的市场集中度和赫芬达尔指数可以看出 ,我国保险业的市场结构属于寡头垄断 ,而从资产利润率、保费利润率和偿付能力来考察市场绩效 ,发现市场绩效和市场结构不匹配。因此 ,目前的市场结构不合理 ,由此提出我国保险业将向垄断竞争模式转变 ,并提出相关建议。According to the market concentration and Herfindal index of premium,the market structure of Chinese insurance industry is oligopoly.However,by analyzing the return of asset,return of premium and solvency,this paper has found that our market efficiency does not match with its market structure,so current market structure is not reasonable.The paper concludes that the market structure of monopolistic competition is good for Chinese insurance industry,and gives some suggestions to develop it.

关 键 词：保险业 市场结构 发展趋势 中国 

分 类 号：F842[经济管理—保险]