摘要
保险业作为现代金融体系的一个重要组成部分,其对我国的经济发展起着越来越大的作用。本文选取2002-2009年的数据,利用CRn、HHI及熵指数对我国保险业近年来的集中度进行了实证分析,发现我国保险业正处于寡头垄断的状态,而保险业的利润率非常低,因此保险业整体上处于高垄断低绩效的状态。
As an important component of the modern financial system,the insurance industry is playing an in creasing role in the economic development of China.This paper empirical analyses the competitiveness of insurance in dustry in China with CRn,HHI and EI of 2002-2009.We find that the insurance industry is in the state of oligopoly,but the insurance competition degree is constantly expanding.At the same time the insurance industry’s profit margin is very low,so the insurance industry is at a high-monopoly and low-performance status.
出处
《区域金融研究》
2013年第1期52-56,共5页
Journal of Regional Financial Research
基金
安徽省社科规划项目(AHSK11-12D240)
安徽省教育厅人文社科基地项目(2011sk671)资助
关键词
保险业
竞争度
市场结构
Insurance Industry
Competition
Market Structure
