The original version of this paper was inadvertently published with an old e-mail address and an error in the affiliation of the author Subrato Banerjee.

中文翻译：

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更正为：竞争降低了盈利能力：以印度人寿小额保险业为例

本文的原始版本无意间发布了旧的电子邮件地址，并且作者Subrato Banerjee的隶属关系出现错误。