摘要:从人寿保险行业市场结构的主要影响因素——准入退出壁垒、市场集中度、规模经济和范围经济以及产品差异化等方面,对我国人寿保险业市场结构进行了研究。研究发现:我国保险市场准入、退出的行政性政策壁垒还较高;我国寿险业市场集中度在逐步降低,但与主要发达**相比,**寿险业市场集中度较高,属于寡占iii型市场结构;我国寿险业保费规模、保险密度、保险深度,保险资产总额占gdp的比重、保险资产总额占整个金融资产的比重还较低;寿险产品同质化现象较严重,分红险产品成为各人寿保险公司开发的重点和趋势;降低保险市场进入壁垒,建立适当的退市机制有利于优化人寿保险市场结构,提高人寿保险业资源配置效率。关键词:人寿保险;准入退出机制;市场结构;影响因素abstract:from the main influence factors of the market structure of the life insurance access and exit mechan**m,industry – degree,economy of scale and economy of scope and product differentiation and market focus on the market structure of life insurance in china was studied .the study found that:the admin**trative policies and barriers of china's insurance market entry and exit ** also highkey words 20210311