人寿保险行业市场结构及影响因素研究

蒋才芳; 杨俣涛; 陈收

人寿保险行业市场结构及影响因素研究

引用本文：蒋才芳，杨俣涛，陈收.人寿保险行业市场结构及影响因素研究[J].财经理论与实践,2015,(5):34-39

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作者	单位
蒋才芳，杨俣涛，陈收	（1.吉首大学商学院，湖南吉首416000；2.湖南大学工商管理学院，湖南长沙410082）

中文摘要:准入退出壁垒、市场集中度、规模经济和范围经济以及产品差异化等是影响人寿保险业市场结构的主要因素。中国保险市场准入、退出的行政性政策壁垒较高，市场集中度较高，属于寡占III型市场结构；寿险业保费规模、保险密度、保险深度、保险资产总额占GDP的比重、保险资产总额占整个金融资产的比重较低；寿险产品同质化现象较严重。鉴此，应降低市场进入壁垒，建立市场退出机制，达到优化市场结构，提高资源配置效率目的。

中文关键词:人寿保险准入退出机制市场结构影响因素

Research on Market Structure and Influence Factors of Life Insurance Industry

Abstract:Entry & exit barriar, industry market concentration, economy of scale, economy of scope, product differentiation are the main influencing factors of the market structure of the life insurance access and exit mechanism. The study found that：the administrative policies and barriers of China's insurance market entry and exit is also high; China's life insurance industry market concentration gradually decreased, but compared with the developed countries, China's life insurance industry is of a high degree of market concentration, market structure is oligopolistic type III；China's life insurance premium scale, insurance density, insurance depth, total insurance assets accounted for the proportion of GDP, total insurance assets accounted for the proportion of financial assets is relatively low；life insurance products homogenization phenomenon is serious，participating insurance products become the focus and trend of development of the life insurance company; reducing the insurance market entry barriers, and the establishment of the delisting mechanism properly is conducive to optimizing the structure of life insurance market, and improving the allocation efficiency of the life insurance industry resources.

keywords:Life insurance Entry and exit mechanism Market structure Influence factors

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