Analysis Of Chinese Insurance Industry Development Discipline

The aim of the thesis is to study the discipline of insurance industry development, mainly study the situation of insurance industry development, the evolving disciplinarian of insurance industry market structure, and compare the situation of insurance industry development between China and the other countries; quantitatively analyze the insurance effectual demands and the relationships between insurance industry and the society, national economy; quantitatively analyze the effect degree of the factors those affect insurance effectual demands affect insurance effectual demands, the effect degree of the development of the society and national economy affect the development of insurance industry; compare the effect degree between China and the other countries, and the average level; analyze the growth of insurance industry and forecast the development level of the insurance industry.The conclusion of the studies and the analysis:1 .The gross scale of insurance industry and insurance density, insurance depth have grown by high speed and got great development from the zero start, since the recover of insurance industry in 1980. The relationship between the national economy and people's livings become closer and closer day by day. Insurance industry has elementarily exerted the protection and promotion function to national economy and people's livings, and exerted great contribution to promote the society's comprehensive progress, risk consciousness of the people and the ability to obviate risk, promote the development of the financial industry.2.The insurance industry of China is still at the elementary stage, still in the leading strings, original accumulation stage of development. The competitiveness of insurance industry and insurance companies is so low that can't compare with the insurance industry of developed countries.3.The centralized degree of Chinese insurance industry got lower and lower, but still higher. The market structure has been optimized and ameliorated, changed from the monopoly to oligopoly. The effectual competitions of insurance industry still lack, the market performance is still low.4.The effect of the social and national economy to the insurance industry is notable. Especially Gross Domestic Product(GDP) , Investment of Fixed Asset(IFA), Savings Deposit in Urban and Rural Areas(SDUR), the Ratio of the Urban Population(RUP), Old People Dependency Ratio(OPDR), Educational Level(by Ratio of the Illiterate and Semi-Literate Population, Aged 15 and Over) have great marginal effect and elasticity to insurance effectual demands and the development of insurance industry. The Herfindahl Index, the comprehensive index of the insurance industry has notable effect to insurance effectual supply.5.The Chinese marginal effect and elasticity that the development of society and national economy affect the insurance industry are at the low position in the world. It show the function channel that the development of society and national economy affect the insurance industry does not well operate, so the environment of insurance industry must be optimized and ameliorated.6.The potential of insurance industry growth is very large.So, to realize the durative and rapid, healthy development of insurance industry, smoothing the function channel that the development of society and national economy affect the insurance industry, optimizing and ameliorating the development environment of insurance industry, promoting the market performance of insurance industry and insurance companies, and the ability of insurance effectual supply, promoting the transform of the insurance demand from the potential demand to real demand, change the development strategy from the "extensive development of quantitative expansion" to "intensive development of quantitative expansion and quality promotion".