Study On Insurance Industrial Organization Of China

As an important branch of financial industry and as a system arrangement for dispersing risk and sharing loss, insurance industry plays a necessary role for the development of society and econony. this paper Put emphasis on the market behavior analyzes, first maket entry and withdrawal behavior of Chinese insurance market is analysed based on related industrial organization theory, and analyze the realationship of structure,behavior and performance, the insurance industry entry barriers would be increasingly refelected on the competitive behavior of the insurance enterprises. Secondly, the difference copetition in insurance product and service and insurance enterprises' self-organization behavior is studied. Finally based the market behavior analyses above, discuss that government regulation of insurance industry and development of insurance industry. The government relationship with insurance enterprise is in the process of changing. And the trend of loose regulation pattern will change market structure from monopoly to competition and lead to diversification of operation performance. So, insurance enterprises relationship with government promotes mutually, unifying in the indutry organization characteristic of the insurance industry.