中国保险业市场集中度的实证分析

Empirical Analysis on Concentration Ration of China's Insurance Industry Market

实证分析结果表明,中国保险业市场集中度过高,属于极高寡占型竞争态势,这种竞争格局不利于中国保险行业的健康发展。造成我国保险业市场集中度过高的主要原因是历史沿革、必要资本量壁垒和政策性壁垒。为改变这一现状, 应加强对国有大型保险公司的重组,鼓励和扶持中小保险企业的发展,并进一步降低保险公司的进入壁垒,使保险市场有更多的保险公司参与竞争,从而达到优化市场结构、提高我国保险业综合竞争力的目的。

The results of empirical research show that the concentration ratio of China＇s insurance industry market is excessively high, the competition situation of which is of extremely high oligarch type. Such competition structure goes against the healthy development of China＇s ensurance industry. The main reasons of the high market concentration ratio are historical evolution, capital requirement barrier and policy barrier. To change the present situation, suggestions are proposed in this paper such as strengthening the recombination of the large state-owned insurance companies, encouraging and supporting the development of the small and medium-sized insurance companies, further lowering the access barriers of insurance industry and making more insurance companies participate in the competition in the insurance market. Thereby, the aim can be reached th optimize the market structure and enhance the general competitiveness of Chin＇s insurance industry.