天津商业大学学报
天津商業大學學報
천진상업대학학보
Journal of Tianjin University of Commerce
2010年
5期
22~26
,共null页
中小保险公司 寡头垄断 市场份额 产品结构
中小保險公司 寡頭壟斷 市場份額 產品結構
중소보험공사 과두롱단 시장빈액 산품결구
small and medium-sized insurance companies; oligopoly; market share; product structure
我国保险市场的寡头垄断结构阻碍了保险业资源的优化利用，影响了中小保险公司的发展，如何利用市场力量打破寡头结构是一个值得深入研究的课题。通过分析中小保险公司目前的现状以及存在的问题总结了中小保险公司与大型保险公司相比的优势和劣势，从市场定位、产品创新、风险控制等方面给出中小保险公司发展策略的建议。
我國保險市場的寡頭壟斷結構阻礙瞭保險業資源的優化利用，影響瞭中小保險公司的髮展，如何利用市場力量打破寡頭結構是一箇值得深入研究的課題。通過分析中小保險公司目前的現狀以及存在的問題總結瞭中小保險公司與大型保險公司相比的優勢和劣勢，從市場定位、產品創新、風險控製等方麵給齣中小保險公司髮展策略的建議。
아국보험시장적과두롱단결구조애료보험업자원적우화이용，영향료중소보험공사적발전，여하이용시장역량타파과두결구시일개치득심입연구적과제。통과분석중소보험공사목전적현상이급존재적문제총결료중소보험공사여대형보험공사상비적우세화열세，종시장정위、산품창신、풍험공제등방면급출중소보험공사발전책략적건의。
In China, oligopolistic structure hinders the optimal use of resources in the insurance industry and affects the development of small and medium-sized insurance companies. How to use market forces to break through the oligopoly is a subject worthy of in-depth study. The paper analyzes the current situation and problems of small and medium-sized insurance companies, and sums up their advantages and disadvantages compared with large insurance companies. Finally, it offers some suggestions for the development of small and medium-sized insurance companies from the aspects of market positioning, product innovation, and risk control, etc.
