中文摘要：

鉴于集团化、多元化发展对金融服务产业组织可能产生的影响,本文以保险产业为例,采用1999～2010年84家保险公司（集团）的数据,运用固定效应面板模型和格兰杰检验模型进行了实证分析。实证结果发现：中国保险产业不仅存在市场结构与竞争行为正相关、竞争行为与绩效负相关的单向关系,同时存在竞争行为与市场结构的双向因果关系;集团化经营与市场结构、绩效呈负相关关系,与竞争行为呈正相关关系,表明集团化虽未增加垄断程度但并没有带来更好的市场绩效;区域多元化和产品多元化对保险产业组织具有复杂的影响关系,范围经济和规模经济的存在依然是集团化发展的主要动因,但需要进一步完善市场竞争机制。

英文摘要：

In view of the possible impacts on financial service industry organization caused by collectivization and diversification,taking insurance industry as an example,empirical analysis is made on 84 insurance companies（groups） during 1999-2010 by applying fixed effects model and Granger-causality test model in this paper.The empirical results show that： there are not only one-way relationships that market structure and competitive conduct are positively correlated,competitive conduct and performance are negatively correlated,but also two-way relationships between competitive conduct and market structure in China insurance industry;there are negative correlations between group and market structure,group and performance,but positive correlation between group and competitive conduct,showing that although collectivization did not increase the degree of monopoly but did not lead to better performance;there are complicated relationships between regional diversification and insurance industrial organization,product diversification and insurance industrial organization,economies of scale and economics of scope are still the major causes of collectivization,but market competitive mechanism must be further perfected.