我国保险业规模经济的研究

发布时间：2018-04-28 11:55

本文选题：保险业 + 规模经济　；参考：《华东交通大学》2013年硕士论文

【摘要】：目前我国保险业正在处于从“规模冲动”转向“效益导向”的关键时期，保险业作为我国现代金融业的三大支柱之一，对我国金融业的发展甚至经济的发展都起着重要的作用。因此研究我国保险业的规模经济，为我国保险业从“规模冲动”转向“效益导向”提供一定的理论依据，有助于发展我国的经济，具有一定的现实意义。本文首先在介绍研究背景和意义的基础上，对国内外保险业规模经济的研究现状进行了概括，其次对规模经济的相关理论知识进行了介绍，包括规模经济理论的产生与发展以及规模经济的界定标准，并且分析规模经济的影响因素。然后介绍了我国保险业的发展历程，并且从风险角度、市场容量角度、市场结构角度、成本角度四个方面对我国保险业的规模经济进行理论分析，发现我国保险业理论上比较容易实现规模经济，同时分析了影响我国保险业规模经济的因素。接着通过利用超越对数成本函数模型，采用2006—2010年的面板数据分别对我国寿险业和财险业的规模经济现状进行了实证研究，发现我国保险业整体的规模经济系数比较高，规模经济性不明显，由于实证分析与理论分析的结果并不相符，，因此接下来分析造成我国保险业规模不经济的主要因素。最后总结全文的研究结果并对我国保险业的发展提出了相关的政策建议。
[Abstract]:At present, the insurance industry of our country is in the key period of changing from "scale impulse" to "benefit guidance". As one of the three pillars of our modern financial industry, insurance industry plays an important role in the development of our financial industry and even the development of economy. Therefore, the study of the scale economy of insurance industry in China provides a theoretical basis for our insurance industry to change from "scale impulse" to "benefit orientation", which is helpful to the development of our country's economy and has certain practical significance. On the basis of introducing the background and significance of the research, this paper summarizes the current research situation of scale economy of insurance industry at home and abroad, and then introduces the relevant theoretical knowledge of scale economy. It includes the emergence and development of the theory of scale economy, the definition standard of scale economy, and the analysis of the influencing factors of scale economy. Then it introduces the development course of the insurance industry of our country, and analyzes the scale economy of the insurance industry of our country from the angle of risk, the angle of market capacity, the angle of market structure and the angle of cost. It is found that it is easy to realize scale economy in China's insurance industry in theory, and the factors influencing the scale economy of insurance industry in China are analyzed at the same time. Then, by using the logarithmic cost function model and panel data from 2006 to 2010, the paper makes an empirical study on the current situation of scale economy of life insurance industry and property insurance industry in China, and finds that the scale economy coefficient of the insurance industry in China as a whole is relatively high. The scale economy is not obvious, because the results of empirical analysis and theoretical analysis are not in line with each other, so the main factors causing the uneconomic scale of insurance industry in China are analyzed. Finally, the paper summarizes the research results and puts forward the relevant policy recommendations for the development of China's insurance industry.
【学位授予单位】：华东交通大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.0

【参考文献】