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我国保险市场结构优化的重要性充分体现在《中国保险业发展“十二五”规划纲要》之中。采用2004年～2010年跨地区面板数据的实证研究结果表明,产险市场竞争程度的提高对产险市场规模的影响先升后降,存在着最优的市场竞争水平,过度的市场竞争不利于产险市场规模的发展。总体来看,我国产险市场结构的优化仍有很大的空间。
The importance of structural optimization of China’s insurance market is fully reflected in the “12th Five-Year Plan of China’s Insurance Development”. Empirical study using cross-regional panel data from 2004 to 2010 shows that the impact of the rising degree of competition in property and casualty insurance market on the size of property and casualty insurance market first and then decrease, the optimal level of market competition exists, and excessive market competition is not conducive Property insurance market size of the development. Overall, there is still a lot of room for the optimization of China’s property insurance market structure.