Study On Structure,Conduct And Performance Of Chinese Property Insurance Market

Since the reform and opening up,China's national economy has maintained a rapid development momentum,the insurance market in China has been rapid development of insurance subject is increasing,the market structure changes,a comprehensive and systematic study of the insurance market structure,behavior and performance will be to enhance the performance of property insurance industry in China,and provide a theoretical basis for promoting the development of the insurance market.This paper will use the theory of industrial organization "market structure-Conduct-Performance" paradigm of China's insurance industry is analyzed,and using data envelopment analysis representative of China's property insurance business efficiency by empirical analysis,and finally put forward the corresponding policy recommendations.At first,this paper discusses the background of the insurance industry,describes the development of industrial organization theory,and introduces the relevant theoretical research at home and abroad.Then,it introduces the research ideas and research methods.The study will nalysis of China's insurance market structure,introduces the concept of market structure,and then from the property insurance market share,market concentration,industry barriers,product differentiation and development of property insurance in different regions of the five aspects of analysis,the insurance market of our country is in a highly concentrated oligopoly market.For China's market behavior analysis,from price competition,the insurance market analysis of non-price behavior,non-price behavior and from advertising,insurance marketing channels,analyze,and found that the insurance market of our country focuses on the price competition behavior is not standardized,and the insurance intermediary and the quality of the business uneven.In the performance of the insurance market in China,selecting related index analysis of the impact of insurance industry market structure and behavior caused by the market performance,finally found the main subject of China's Insurance in operating efficiency and performance deficiencies.At the end,this article of our country insurance market research conclusions and puts forward appropriate increase insurance subject,promote the general insurance market transition,straighten out the insurance intermediary market segmentation as well as insurance market and changing management mode to improve the policy suggestions.