摘要
20世纪90年代后期,随着保险法的实施和对外开放力度的加大,我国保险业初步形成了市场竞争格局,行业在竞争机制推动下得到快速发展,市场格局逐步优化,竞争水平稳步提高。本文在梳理西方经济学市场结构理论及研究成果的基础上,选取相关衡量指标、利用1998年以来我国保险业数据进行实证测算,并与主要发达国家对比,分析我国保险行业市场格局的演变情况、主要特点和存在的问题。研究结果表明:十几年间,我国保险业市场格局呈现阶段性变化,市场集中度下降,产业结构逐步优化;但从目前集中度绝对水平和与发达国家比较看,市场集中程度依然较高,市场化进程远未结束,需通过继续加强政策引导和改善市场竞争环境,进一步优化市场格局、提高竞争效率,促进市场健康发展。
With the enforcement of the Insurance Law and the widening of opening-up, the market competition landscape of China＇ s insurance industry was formed primarily in the late 1990s. Since then,the insurance industry has developed quickly, meanwhile, the market structure has been optimized and competition competence has been enhanced gradually. The paper reviewed and analyzed the evolution of China＇ s life insurance market structure with exponential data from 1998 to 2013, and also compared that with major developed countries based on the market structure theories of Western economics and research results. The results showed that the market structure changed with stage characteristics and the market concentration dropped gradually in the recent ten years, which means the industrial structure has been optimized. But comparing with major developed countries, the concentration of China＇ s insurance industry is still of a higher level and should be further reduced through policy guidance and deepened reform.
出处
《保险研究》
CSSCI
北大核心
2014年第11期13-20,共8页
Insurance Studies
关键词
保险业
市场格局
演变
insurance industry
market structure
changes
