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随着中国改革开放和经济的不断发展,保险市场已初步形成以国有商业保险公司为主、中外保险公司并存、多家保险公司竞争的格局。然而竞争市场效率低下、产业发展不均衡等问题严重影响保险业的发展。为此,我们从产业组织理论出发,分析我国保险业的市场结构,并为市场结构调整提出政策建议。
With China’s reform and opening up and continuous economic development, the insurance market has initially formed a pattern in which state-owned commercial insurance companies are the mainstay, Chinese and foreign insurance companies coexist, and many insurance companies compete. However, the problems of inefficient competition market and uneven industrial development have seriously affected the development of the insurance industry. To this end, we proceed from the theory of industrial organization, analyze the market structure of China’s insurance industry, and make policy recommendations for the adjustment of market structure.