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保险是市场经济条件下实现风险管理的基本手段,保险专业中介是保险市场的重要组成部分。本文以安徽省保险专业中介市场为研究主体,首先分别研究了保险代理市场、经纪市场及公估市场的市场集中度,运用财务指标进行盈利能力分析,并结合数据包络分析方法进行综合分析。然后结合Berger模型分别验证市场力量假说和有效结构假说在安徽省保险中介市场上是否成立。最后给予总结并从监管层面、公司层面及社会层面提出了具体的对策和建议。
Insurance is the basic means to achieve risk management in a market economy. Insurance professionals are an important part of the insurance market. In this paper, the insurance professional intermediary market in Anhui Province as the main body of the study, first of all, the market concentration of the insurance agency market, the brokerage market and the public valuer market are studied. The financial indicators are used to analyze the profitability and the data envelopment analysis method is used to conduct a comprehensive analysis. Then, the Berger model is used to verify whether the market power hypothesis and the effective structure hypothesis are established in the insurance intermediary market in Anhui Province. Finally, it gives a summary and puts forward concrete countermeasures and suggestions from the regulatory level, the corporate level and the social level.