By referring to the concept of oligarch monopoly competition in economics, we get the conclusion that the insurance market in China has stepped into the stage of oligarchy monopoly.

借鉴经济学中关于寡头垄断竞争的分析，可判断中国目前的保险市场已经进入寡头垄断阶段判断。

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Market structure is the basic factor which is to determine the quality of competition and the degree of monopoly. Oligarch monopoly is usually been found in reality.

市场结构是决定产业组织竞争性质和垄断程度的基本因素，寡头垄断是市场结构在现实生活中的常见的表现形式。

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