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中国寿险业的垄断型市场结构并没有造成垄断企业控制市场以获得超额利润的情况。本文选取中国人寿、泰康人寿、新华人寿三家企业1998年～2007年间的面板数据作为样本数据,分析了我国寿险公司绩效的影响因素,认为在中国寿险业日益激烈的市场竞争下,寿险企业的利润主要来自投资收益,经营效率高的企业虽然不能因为技术效率和规模效率而获得高利润,但是可以在竞争中占有更多的市场份额。
The monopoly market structure in China’s life insurance industry has not caused monopoly enterprises to control the market to obtain excess profits. This paper selects the panel data of China Life Insurance, Taikang Life Insurance and Xinhua Life Insurance from 1998 to 2007 as the sample data to analyze the influencing factors of life insurance company performance in our country. Under the increasingly fierce market competition of life insurance in China, the profit of life insurance enterprises Mainly from the return on investment, business efficiency of enterprises, although not because of technical efficiency and economies of scale and high profits, but can occupy more market share in the competition.