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中国保险市场已向外资寿险公司开放有十余载,但外资寿险公司在中国市场的表现并不如人意。在对外资寿险公司实施限额监管下,从股权结构讨论可供外资寿险公司未来进入中国市场的经验,是该文的主旨。外资寿险公司发展概况中国加入WTO后便逐步放开保险市场,2002~2005年共有15家外资寿险公司进入中国市场;2005年以后,外资寿险公司的保费规模和市场份额增速均有所放缓;2011~2013年,所有外资寿险公司市场份额加总后仅为4.8%,工银安盛——作为2013年保费规模最大的外资寿险公司,尽管背后有实力强大的股东支撑,其市场份额也仅为0.96%。
China’s insurance market has been open to foreign life insurance companies for more than a decade, but the performance of foreign life insurance companies in the Chinese market is not satisfactory. Under the quota supervision of foreign-funded life insurance companies, it is the main thrust of the article to discuss the experience that foreign-funded life insurance companies can enter into the Chinese market from the ownership structure. Overview of the Development of Foreign-funded Life Insurance Companies China’s accession to the WTO gradually liberalized the insurance market. From 2002 to 2005, a total of 15 foreign-funded life insurance companies entered the Chinese market. After 2005, the growth rate of premium life and market share of foreign-funded life insurers slowed down . From 2011 to 2013, the overall market share of all foreign-funded life insurers was only 4.8%. ICBC AXA - as the largest foreign-funded life insurance company with premiums in 2013, despite its strong shareholder support behind its market share Only 0.96%.