畢業論文

打賞
當前位置: 畢業論文 > 經濟論文 >

我國保險市場結構與績效分析

時間:2019-06-02 22:20來源:畢業論文
政府應該在保證保險市場結構得到改善的同時需提高保險公司經營管理效率,放寬保險業進入和退出市場的限制,建立風險預警機制,建立健全的保險保障機制,為保險產業的穩定發展

摘要:我國保險業的發展在改革開放后的一系列變革之后取得了令人矚目的成就,中小股份制保險企業的不斷成立。在我國加入世界貿易組織之后,外資保險公司不斷進入我國保險市場,保險市場的主體逐漸多樣化,但是我國保險業市場結構仍處于壟斷型格局。因此我國越來越認為研究我國保險業市場結構與總體市場績效存在何種相關性是具有重要意義的舉措。35990
本文對市場結構與績效的相關理論進行了一系列研究,通過對國內外文獻和研究理論的整理綜合,本文通過模型驗證我國保險業市場結構與績效的關聯性。通過實證研究得出的結論說明共謀假說與效率結構假說均不適合我國保險業市場結構的實際情況。主要原因是我國的保險業市場的發展周期比較短,也不是保險市場自然發展的結果,而是通過政府干預造成的壟斷性格局。
通過模型實證研究得出的結論,本文就怎樣提升我國保險業績效水平提出了四項建議,政府應該在保證保險市場結構得到改善的同時需提高保險公司經營管理效率,放寬保險業進入和退出市場的限制,建立風險預警機制,建立健全的保險保障機制,為保險產業的穩定發展提供優良的外部經濟環境。
畢業論文關鍵詞:保險市場結構 績效水平 共謀假說 效率結構假說
The Research about Market Structure and
Market Performance in Chinese Insurance Business
Abstract: With the advancement of economy,The insurance industry has made great achievements since the Chinese reform and opening-up policy,it has an important position in China's financial industry.Since China entered the Word Trade Organization,Foreign insurance companies began entering Chinese insurance market.Although the kind of the insurance companies is increasing very fast,the structure of Chinese insurance market is still at a monopoly situation.So it is a meaningful measure to study that how the insurance business structure make effects on insurance performance at now.
源¥自%六^^維*論-文+網=www.aftnzs.live

This paper has studied a series of ideas about the market structure and market performance and related lots of Chinese and Foreign literature.Then,this article established a model to study that how Chinese insurance market structure influence the level of performance in Chinese insurance market. With the result of study,we find that the Tradition Collusion Hypothesis and Efficient Structure Hypothesis are not according with Chinese actual conditions. The main reason that why Chinese insurance has this problem is that Chinese insurance industry does not go through a period of economy completely, also not the normal result of insurance market development, but formed by the behavior of the Government.
At the basis of diagnosis research,this article proposed a series of advice about how to enhance the insurance market performance.The government should promote the performance of insurance companies when adjusting the market structure,induce the enter & exit barriers of insurance industry,establish risk warning mechanism and improve the insurance security system.In order to ensure Chinese insurance industry can develop quickly and on an even keel,Chinese government should make series of measures to create a harmonious environment.
Key Words:Insurance Market Structure,  Market Performance,  Tradition Collusion Hypothesis,  Efficient Structure Hypothesis
目 錄
 一、導論1
(一)選題背景及意義..2
(二)研究方法及主要內容..3
二、國內外文綜述3
(一) 國外文獻綜述.3
(二) 國內學者的理論綜述3
三、我國保險業的現狀以及對保險市場與績效相關性的實證分析.4
(一)我國保險業的發展現狀..4 源¥自%六^^維*論-文+網=www.aftnzs.live
(二)關于我國保險市場結構的實證研究5
(三)我國保險市場結構與績效相關性的實證分析. 我國保險市場結構與績效分析:http://www.aftnzs.live/jingji/20190602/34235.html
------分隔線----------------------------
推薦內容
双色球走势图带连线