财产保险公司的地理扩张与利润

发布时间：2018-01-27 10:31

本文关键词： 财产保险公司地理扩张利润空间分异性中国　出处：《地理学报》2017年08期 　论文类型：期刊论文

【摘要】：中国财产保险业(简称产险业)的经营状况存在明显的空间分异性,且近些年中国产险公司进行了较快速的地理扩张,那么,地理扩张如何影响了公司的盈利能力?本文基于2006-2015年中国64家产险公司的面板数据,采用地理加权方法估计了每家公司的利润效率,并基于多个地理扩张指标进行了回归分析。研究发现:(1)地理扩张与盈利能力呈显著正相关,六成以上的正相关来自于有更强盈利能力的产险公司更会去实施地理扩张。(2)地理扩张对产险公司的盈利能力仍然产生了一定程度的正向影响,其他条件不变时,如果产险公司经营的省区市数目增加10家、产险公司来自于非总部所在的省区市的保费收入份额增加10个百分点、产险公司在各省区市的保费收入的集中度降低单位标准差、产险公司总部与分部的平均距离增加1%,那么,产险公司的盈利能力将分别提高样本中单位标准差的2%、1%、2%、1%。(3)采用基于普通方法估计的利润效率时,难以得到地理扩张影响产险公司的盈利能力的结论。
[Abstract]:Chinese property insurance industry (abbreviated as property insurance industry) has obvious spatial differentiation, and in recent years, Chinese property insurance companies have carried out rapid geographical expansion, so. How does geographical expansion affect a company's profitability? Based on the panel data of 64 property insurance companies in China from 2006 to 2015, this paper estimates the profit efficiency of each company by using a geographical weighted method. The regression analysis based on multiple geographic expansion indexes shows that the geographic expansion is significantly positively correlated with profitability. More than 60% of the positive correlation comes from the more profitable property insurance companies will implement geographical expansion. 2) Geographic expansion still has a certain degree of positive impact on the profitability of property insurance companies. When other conditions are unchanged, if the number of provinces, autonomous regions and municipalities operated by property insurance companies increases by 10 percentage points, the share of premium income of property insurance companies from provinces, autonomous regions and municipalities that are not headquartered increases by 10 percentage points. The concentration degree of premium income of the property insurance company in the provinces, districts and cities reduces the unit standard deviation, and the average distance between the headquarters and the branch of the property insurance company increases by 1%, so. The profitability of the property insurance company will increase the profit efficiency of the unit standard deviation of the sample by 2 / 1 / 1 / 2 / 1 / 3) using the ordinary method of estimating profit efficiency. It is difficult to come to the conclusion that geographical expansion affects the profitability of property insurance companies.
【作者单位】：中国社会科学院金融研究所;
【基金】：国家自然科学基金项目(71203133) 国家社会科学基金项目(13&ZD161)~~
【分类号】：F842.3
【正文快照】： 1引言金融服务业是具有明显地理特征的经济活动[1-4],财产保险业(简称产险业)是为财产及其相关利益提供财务保障,并由于获取保费收入与支出赔付款之间的时间差而具有投资功能的一个金融子行业,其发展水平与所在地的风险特征密切相关,影响其经营成果的众多因素存在着明显的空间

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