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从演进趋势看,发达国家保险业集中度较高,这是由竞争规律决定的。然而,发展中国家保险业的集中度却呈现逐渐降低的趋势。由于历史原因,中国保险业的集中度一直过高,这不利于中国保险业竞争力的提升。可通过降低保险市场的进入壁垒和引进民营资本等途径降低中国保险业的集中度。
Judging from the evolution trend, the insurance industry in developed countries is highly concentrated, which is determined by the law of competition. However, the concentration of insurance in developing countries has shown a gradual downward trend. Due to historical reasons, the concentration of China’s insurance industry has been too high, which is detrimental to the competitiveness of China’s insurance industry. It can reduce the concentration of China’s insurance industry by lowering barriers to entry in the insurance market and introducing private capital.