我国寿险业的市场竞争研究..doc

 我国寿险市场的竞争结构研究 摘 要：本文从开始大致介绍了现在中国人寿保险市场的一些概况和现状，然后用一些专家学者的理论表明现在人寿保险市场的存在一些规律，然后从主要从三面来研究我国的人寿保险是的竞争研究。 第一部分描述人寿保险市场的竞争度，第二部分描述人寿保险市场的差异性竞争，第三部分描述人寿保险的法律壁垒。最后文章对其进行总结分析，对寿险市场的集中度，寿险市场的差异性竞争和人寿保险的壁垒这三方面进行总结，寿险市场集中度过高会不利于寿险市场的有效竞争，寿险市场差异化竞争也有利于市场更达到有效竞争，人寿保险的壁垒的设置也国家政府为了控制发展速度和调整市场结构所做出的决策，但是我国的现在现状是，寿险市场的竞争集中度非常高，同质化恶性竞争明显，寿险市场的壁垒很高。最终我们也要根据这3大方面提出具有针对性的相应措施和建议。 关键词：市场竞争度；差异化竞争；保险法：The research of the competition of China’s life insurance market Abstract: Roughly from the beginning of this article describes some current Chinese life insurance market overview and current status, and then use some experts’ life insurance market theories and suggests that has included some rules of the life insurance market. And then mainly from the three sides to study the competitiveness of Chinas life insurance is research. The first part describes the life insurance market, the degree of competition, and the second part describes the differences in life insurance market competition, and the third part describes the life insurance market entry and exit barriers. Finally, the paper concluded its analysis of the degree of concentration on the life insurance market, insurance market, competitive differentiation and life insurance market barriers to entry and exit summary of these three aspects, the life insurance market concentration is too high will not conducive to effective competition in the life insurance market , differentiated competitive life insurance market is also conducive to better achieve effective competition in the market, insurance market entry and exit barriers settings are also national governments in order to control the pace of development and market structure adjustment decisions made, but now the status quo of Chinas life insurance competition in the market concentration is very high, the homogenization of vicious competition significantly, the life insurance market entry and exit barriers are high. Ultimately, we have to put forwar