随着我国经济体制和保险体制的逐渐转轨, 我国保险产业的垄断竞争结构也日渐形成。由于多元化的经营格局促进了保险公司之间的有效竞争,使得一些低效率的保险公司将遭遇淘汰出局的命运。鉴于保险公司退出市场的社会成本过高,其经营也涉及到多方面的利 With the gradual transition of our economic system and insurance system, the monopolistic competition structure of our country’s insurance industry is also gradually formed. As a diversified business structure promotes effective competition among insurance companies, some inefficient insurance companies will suffer a knock-out. In view of the high social costs of insurance companies leaving the market, their operation also involves many aspects