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近些年来,我国保险中介市场特别是专业中介机构发展迅速,但依然存在诸多问题。本文运用2005~2011年的数据,对我国保险中介机构的市场结构与市场绩效进行了实证研究,并对保险中介机构的市场结构和绩效之间的关系进行了探讨。研究表明,目前我国保险中介机构的市场结构过于分散,介于竞争型和低集中寡占型之间,由此导致的市场绩效也相对较高,但是企业利润由此会相对较低,所以看起来竞争很激烈,而效率却不高。因此对于行业发展而言,谋求相应的市场集中是未来的目标选择。
In recent years, the insurance intermediary market in our country, especially the specialized intermediary agencies, has developed rapidly, but many problems still exist. Based on the data from 2005 to 2011, this paper conducts an empirical study on the market structure and market performance of insurance intermediaries in China, and explores the relationship between the market structure and performance of insurance intermediaries. The research shows that at present, the market structure of China’s insurance intermediaries is too fragmented, between competitive and low-concentrated oligopoly, resulting in relatively high market performance, but the corporate profits will be relatively low, so it seems Competition is fierce, but efficiency is not high. Therefore, for the development of the industry, to seek the appropriate market concentration is the future goal of choice.