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| 我国保险市场运行效率因素浅析 摘要： 伴随着经济、金融体制改革地不断深入,中国保险业近30年来在社会生活中日益重要。与此同时，随着中国保险业市场化程度的提高，保险市场的运行效率也不断提高。但是，对影响保险市场运行效率因素的研究，无论从数量还是从研究的系统性及深度和广度上都相对滞后于对商业银行和资本市场运行效率影响因素的研究。影响保险市场运行效率的因素可以分为宏观经济环境、保险产业结构等外部因素和保险信息披露、保险诚信问题以及保险公司的资本规模、经营能力、管理费用等内部因素，这些都会对保险市场运行效率产生不同程度的影响。本文主要对影响保险市场运行效率的宏观经济环境、保险产业结构、保险信息披露、保险诚信问题这些因素进行分析。 关键词： 保险市场 运行效率 保险产业结构 保险信息披露 Abstract: With further development of economy and the reform of financial system, it is obvious that the insurance is important in the national economy and social life in the recent 30 years. At the same time, along with the improving marketization of the insurance industry, the operational efficiency of the insurance also advanced continuously. However, the researches of the operational efficiency ranging from the research quantity to the depth and broadness of researches lag behind the researches of commercial Banks and capital markets’ efficiency. The market's efficiency can be divided into external factors such as the macroeconomic environment, the insurance industry structure and the internal factors such as insurance company capital scale, operation ability and the cost management of insurance industry.They all will play different role on the market.The article mainly analyze the macroeconomic environment;the insurance industry structure and so on. Keywords: The Insurance Market; Operational Efficiency; Structure of The Insurance Market; Insurance Information Disclosure |
