Our Insurance Market Exit Study

Perfect insurance market exit system is an important sign of maturity of insurance market.The present situation of our country is the supervision and management of the market access of insurance companies.But China's insurance market exit system is not perfect.No insurance company has ever pulled out of the market altogether.In 1980,the restoration of insurance business as a new starting point.Supported by national policies and driven by market mechanisms.The main body of insurance market in China began to increase.A large number of Chinese insurance companies have been established.A large number of foreign insurance companies are also coming in.The diversified pattern of China's insurance market is gradually formed.The market share of traditional state-owned insurance companies has been declining,and the market structure has gone from oligopoly to monopolistic competition.On the basis of expatiating the basic problems of the market exit of the insurance company,this paper takes the market exit of the branch of the insurance company of GUANGXI in 2016 as an example.Based on the practice of foreign mature insurance market,this paper puts forward some thoughts on the construction of the market withdrawal mechanism of China's insurance company.Using case analysis,comparative analysis and other methods,through analyzing the case of reform.Research present situation and problems,our country insurance market exit mechanism draw lessons from foreign advanced experience in the insurance market comparison,finally worked out our country should pay attention to the concrete measures of perfecting our country's insurance market exit system.Perfect insurance market exit system is an important sign of maturity of insurance market.From the aspects of laws and regulations,the risk early warning system,the structure of the insurance guarantee fund system,analysis of our country and other countries of the insurance market exit system related issues,insurance industry structure change influence on insurance market exit,This paper analyzes the main problems facing the insurance industry in China.The root of the problem is the high market exit barriers and the lack of perfect market exit mechanism,which is also the problem to be solved in this thesis.With the opening of China's insurance market and the intensification of market competition,Inthe perfect market economy background,the entry and exit of the market subject is the inevitable result of profit driven and the inevitable rule of free competition and survival of the fittest.