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With the development of the insurance market,competition among the insurance companies increases fiercely.The competition of the insurance companies is reflected in many aspects,the core of which is the modern insurance company's governance mechanism.Ownership structure is regarded as the basis of corporate governance.It fundamentally determines the company's decision-making mechanism as well as incentive and restraint mechanism,which ultimately influence the company's behavior and business performance.Therefore,ownership structure has an important impact on its business performance.