摘要
本文以中国保险业的市场结构现状作为逻辑起点,采用实证分析和规范分析相结合的方法,对我国保险市场结构变迁的原因进行了分析,得出结论:目前中国保险业市场结构属寡头垄断型,市场集中度极高。但高集中度与理论界的共谋假说和有效结构假说不相符,由此认为,我国目前的保险市场结构不合理,应由寡头垄断模式向垄断竞争模式转变,并提出了相关政策建议。
Based on the studies oi China＇s present insurance market structure, this paper employs the positivism analysis and canonical analysis to explain the reasons for the changes of the insurance market structure, and draws the conclusion： China＇s present insurance market is an oligarch monopoly one with high concentration ratio. But the high concentration ratio is not supported by the conspiracy hypothesis and efficient structure hypothesis. This paper gives the idea that the present insurance market structure is not reasonable, the oligarch monopoly should be changed to the monopolistic competition, and thus the relative policy suggestions are given.
出处
《海南金融》
2005年第8期22-25,共4页
Hainan Finance
关键词
保险市场
结构
寡头垄断
垄断竞争
Insurance market
Structure
Oligarch monopoly
Monopolistic competition
