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An Empirical Investigation of Impact Factors for the Profit Performance of Regional Life Insurance Market in China

Xiao WEI, Jun Yang


Due to several factors different regions in China have formed a diversified life insurance market. We employ a panel data of 30 provinces and municipalities from 2005 to 2011 and apply a model based on the structure-conduct-performance (SCP) hypothesis to analysis the factors that influence the performance of making profit for life insurance companies. The result reveals that the SCP hypothesis is not supported in the life insurance market of China. Although the SCP Hypothesis is not supported, the factors that influence the profit performance in different provinces are GDP, the return rate of investment and the policy reform variable.


Structure; Conduct-Performance Hypothesis; Market Structure; Profit Analysis; Impact Factors; China life insurance market

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"Transition Studies Review" ISSN online 1614-4015 / ISSN print 1614-4007

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