摘要
目前,中国保险市场是典型的寡头垄断市场,保险业的监管也一直实行与之相匹配的严格监管模式。但近十年放松保险管制已成为国际保险业的必然选择,这与中国传统的严格监管模式产生了严重背离。况且,中国加入WTO后,市场准入门槛的降低,费率市场化步伐的加快,产品差异化水平的提高等都对原有监管模式提出了严峻挑战。为了在短时期内,在无法撼动寡头垄断市场结构的条件下,调整监管思路,选择适宜的监管模式,须制定相应的对策。
By now China＇s insurance market has become typically oligarchy monolized, to which insurance supervision model is a strict one to sults.Loose supervision, however, has been a necessary selection of international insurance over one decade.It has a very deviation from China＇s traditional strict model.After China entered the WTO, it has brought forward severe challenges such as the lowered market doorsill the quickened step of marketing premium and the improved product diversity.This paper gives several suggestions about how to adjust the thought of supervision and choose an appropriate model in case that this oligarchy monopoly market structure cannot be changed in the long- run.
出处
《商业研究》
北大核心
2006年第16期17-22,共6页
Commercial Research
基金
山东大学2004年青年成长基金资助项目
项目编号:200432
2004年山东省软科学资助项目
项目编号:B200404
关键词
寡头垄断
市场结构
保险监管
oligarchy monopoly
market structure
insurance supervision
