摘要
中国寿险业的垄断型市场结构并没有造成垄断企业控制市场以获得超额利润的情况。本文选取中国人寿、泰康人寿、新华人寿三家企业1998年～2007年间的面板数据作为样本数据,分析了我国寿险公司绩效的影响因素,认为在中国寿险业日益激烈的市场竞争下,寿险企业的利润主要来自投资收益,经营效率高的企业虽然不能因为技术效率和规模效率而获得高利润,但是可以在竞争中占有更多的市场份额。
There is no monopoly control of the market for excess profits in China＇s life insurance industry even though there is a monopoly market structure. The paper used the 1998 -2007 panel data of China Life, Taikang Life and Xinhua Life as sample data to analyze factors affecting performance of Chinese life insurers. It reached the con- clusion that due to the intense competition in the market ,life insurance companies＇ profits mainly came from invest- ment income,and that the company with a higher operational efficiency might not earn higher profits,but could acquire a larger market share on strength of its high technical efficiency and economy of scale.
出处
《保险研究》
CSSCI
北大核心
2009年第8期33-38,共6页
Insurance Studies
关键词
市场绩效
市场结构
经营效率
寿险
market performance
market structure
operational efficiency
life insurance
