业务集中度对寿险公司利润和风险的作用研究

发布时间：2018-05-21 19:28

本文选题：寿险公司 + 业务集中度　；参考：《当代经济科学》2015年03期

【摘要】：本文从产品类型、销售渠道、地理区域三个维度研究业务集中度对中国寿险公司利润和风险的作用。基于2005-2012年中国寿险公司的非平衡面板数据,计量分析发现,三个维度的集中度对公司利润、风险的作用存在较大差异,并且业务集中度对中资寿险公司和外资寿险公司作用也显著不同。对于中资寿险公司,产品集中度负向影响利润,正向影响风险;渠道、地理集中度正向影响利润;对于外资寿险公司,三个维度的集中度均正向影响公司利润,负向影响公司风险。此外,产品集中度对利润的正向影响、产品和渠道集中度对风险的负向影响均在外资寿险公司中更强,外资寿险公司从专业化中受益更大。
[Abstract]:This paper studies the effect of business concentration on the profit and risk of Chinese life insurance companies from three dimensions of product type, sales channel and geographical area. Based on the non balanced panel data of China's life insurance company in 2005-2012 years, the quantitative analysis shows that the concentration of three dimensions has great difference in the role of the company's profit and risk, and the business concentration is concentrated. The role of the Chinese life insurance companies and the foreign life insurance companies is also significantly different. For Chinese life insurance companies, the concentration of product concentration negatively affects the profit, and it has a positive impact on the risk; the channel, the geographical concentration is positively affecting the profit; for the foreign life insurance company, the concentration of the three dimensions is positively affecting the company's profit and negatively affecting the company risk. In addition, production The positive impact of product concentration on profit, and the negative impact of product and channel concentration on risk are all stronger in foreign life insurance companies, and foreign life insurance companies benefit more from specialization.
【作者单位】：北京大学经济学院;北京大学国家发展研究院;中国社会科学院金融研究所;
【基金】：国家自然科学基金青年项目(项目批准号:71203133)
【分类号】：F842.3

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