A Research on the Trend of Chinese Insurance Market Structure

摘要

During the opening and developing course of Chinese insurance market, choosing an sound insurance market structure plays an important role in the development of insurance sector and affects the stability of social economy. This paper expounds the current situation of Chinese insurance market, elaborates on how to choose an ideal insurance market structure by comparing the mechanism of foreign insurance market structure and concludes that China should choose a monopolistic competition insurance market structure in future. To get such an target, this paper put forward suggestions from 5 indispensable aspects: Encouraging cultivating insurance market participants; Building insurance giant of this sector; insurance legislation system; Transforming insurance regulation function and method; Perfecting industry self-discipline and insurer’s inner control.