我国中小保险公司发展策略探讨

我国保险市场的寡头垄断结构阻碍了保险业资源的优化利用，影响了中小保险公司的发展，如何利用市场力量打破寡头结构是一个值得深入研究的课题。通过分析中小保险公司目前的现状以及存在的问题总结了中小保险公司与大型保险公司相比的优势和劣势，从市场定位、产品创新、风险控制等方面给出中小保险公司发展策略的建议。

Development Strategy of China Small and Medium-sized Insurance Companies

In China, oligopolistic structure hinders the optimal use of resources in the insurance industry and affects the development of small and medium-sized insurance companies. How to use market forces to break through the oligopoly is a subject worthy of in-depth study. The paper analyzes the current situation and problems of small and medium-sized insurance companies, and sums up their advantages and disadvantages compared with large insurance companies. Finally, it offers some suggestions for the development of small and medium-sized insurance companies from the aspects of market positioning, product innovation, and risk control, etc.