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The Oxford Companion to the Economics of China$
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Shenggen Fan, Ravi Kanbur, Shang-Jin Wei, and Xiaobo Zhang

Print publication date: 2014

Print ISBN-13: 9780199678204

Published to Oxford Scholarship Online: December 2014

DOI: 10.1093/acprof:oso/9780199678204.001.0001

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Insurance markets in China

Insurance markets in China

(p.279) 44 Insurance markets in China
The Oxford Companion to the Economics of China

Hanming Fang

Oxford University Press

This chapter describes the various insurance markets in China and discusses the issues for future development. It covers health insurance, life insurance, and property insurance markets; agricultural insurance, and social insurance programmes. Existing markets are dominated by few large majority state-owned insurance companies, leading to limited product innovation and poor customer service. While the China Insurance Regulatory Commission has tried to reduce many forms of malpractice committed by insurance companies, increased competition via the entry of financially strong private companies is needed to drive down the abnormally high profit margin in the Chinese insurance market.

Keywords:   insurance industry, insurance companies, health insurance, life insurance, property insurance, agricultural insurance, social insurance programmes

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