中国保险业市场结构研究.docVIP

题名（中英对照）：中国保险业市场结构研究 Research on the Market Structure of Insurance Industry in China 内容摘要 本文主要研究中国保险业的市场结构及其优化，以产业组织学关于市场结构的理论为分析框架，运用规范分析、比较分析、实证分析等研究方法，从理论和实践两方面对我国保险业市场的实际情况进行分析，以其得出对优化保险业市场结构有用的建议。 第一章是绪论，简要介绍了本文的研究背景、研究思路和研究方法。第二章对国内外有关市场结构的理论进行梳理，并在此理论基础上提出我国保险市场结构的研究内容。第三、四、五章分别从保险业的市场集中度、产品差别化、进入和退出壁垒等三个方面对我国保险业市场结构进行实证研究，得出了我国保险业市场集中度高、产品差别化层次低、进入和退出壁垒高和大公司规模不经济的结论，表明了我国保险业具有寡头垄断市场结构之形，而无寡头垄断市场结构之实。第六章通过借鉴国外保险市场的经验以及结合前文的分析，提出我国保险市场结构的目标模式及优化保险业市场结构的相关措施。 我国保险业市场结构的显著特征是市场集中度过高，市场缺乏有效的竞争机制，受到政府过多的管制，为了实现有效的竞争，我国保险业市场结构的目标模式是构建既有垄断又有竞争，大中小企业共存的市场结构。适度的垄断有利于保险业的稳定，适度的竞争有利于保持市场的活力。所以，要发展大保险公司，努力提高国有大型保险公司的竞争力，同时也要注重培育中小保险公司，促进市场有效竞争。 关键词： 保险业 市场结构 垄断 竞争 Abstract This abstract focuses on the market structure and optimisation of the insurance industry in China. We will provide a frame of industry organization in our analysis. By using comparison, demonstration, and conclusion, we have suggested some improvements to the market optimisation through the use of theoretical and practical theories. The first and introductory chapter provides the background, direction and methodology of the research. In the second chapter, we will briefly discuss about the theories of the market structures found in and outside China. The third till the fifth chapters looks in detail at the insurance market structure from 3 directions; namely the market concentration view, product difference, entry and exit barriers. Using empirical analysis, we have the following conclusions on high market concentration, low level of product difference, high entry and exit barriers, showing the oligopolistic and non-oligopolistic market structure in the industry. With references to the insurance structures and experience outside China, we derive steps and measures to further optimise the market structure and aims. One of the most notable characteristics of the insurance industry in China is the overly-high market concentration and the presence of governmental over-control, thus the market