有关中国保险业的垄断问题曾经备受关注并且引起过广泛的讨论。但近年来国际保险业的并购热潮以及中国加入WTO以后外资保险巨头陆续进军国内保险市场使得人们对竞争与垄断这一原本清晰的命题产生了新的困惑。本文试图针对这一困惑提出作者自己的看法。 The issue of the monopoly of China’s insurance industry has drawn much attention and elicited extensive discussions. However, in recent years, the upsurge of mergers and acquisitions in the international insurance industry and the entry of foreign insurance giants into the domestic insurance market after China’s accession to the WTO have created new confusion over the originally clear proposition of competition and monopoly. This article attempts to put forward the author’s own view of this confusion.