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本文通过市场集中度指标的研究发现我国保险业的市场结构仍然处于寡头垄断的格局。。在肯定我国保险业重新开展以来所取得的巨大成就的前提下,分析了我国保险业的市场绩效我国保险业的盈利能力还非常的低下。并就我国保险业高集中度低利润的实际情况,提出提高我国保险业绩效,实现有效竞争的对策。
In this paper, the market concentration index of the study found that the market structure of China’s insurance industry is still in an oligopoly pattern. . On the premise of affirming the tremendous achievements made since the relaunching of China’s insurance industry, this paper analyzes the market performance of our country’s insurance industry. The profitability of China’s insurance industry is still very low. In the light of the actual situation of high concentration and low profit of our insurance industry, we put forward the countermeasures to improve the performance of our insurance industry and achieve effective competition.