中国寿险业范围经济研究

发布时间：2018-08-20 15:06

【摘要】：2001年我国入世以来,随着竞争主体的迅速增加，我国寿险业的竞争越来越激烈，市场集中度不断下降，各公司低水平的粗放型扩张方式已经成为寿险公司可持续性发展的制约，因此，转变发展方式，提高经营效率成为各寿险公司的发展战略目标。而寿险公司的范围经济对其经营效率存在着重要影响，因此，研究寿险公司的范围经济问题对提高我国寿险公司的经营效率有一定现实意义。本文采用超越对数成本函数及计量经济模型深入分析了我国寿险业范围经济现状。首先，回顾了国内外对保险业范围经济及其他行业范围经济的相关研究；其次，介绍了范围经济的一般原理，及在研究中适用的成本函数；其后，作者对寿险业范围经济进行了定义，并且简单定性分析影响寿险业范围经济的内外因素。基于以上的研究，作者采用超越对数成本函数，选取特定投入-产出指标，挖掘各寿险公司范围经济的动态变化和发展趋势，并进一步建立回归模型分析范围经济的内在影响因素。研究结果表明：（1）从整体来看，寿险业的范围经济状况并不乐观，，无论是中资企业，还是外资企业，都有大部分公司呈现出微弱的范围不经济；中小型寿险公司的范围经济情况略好于大型的寿险公司的范围经济状况，外资公司的范围经济状况完全优于中资寿险公司；（2）从特定产品来看，各寿险公司的人寿保险业务，意外伤害保险业务和健康险业务均尚未达到范围经济，他们之间的成本互补效应不明显，但是健康险的范围经济情况最好，意外伤害保险次之，人寿保险的范围经济状况最差，其范围经济状况越变越糟，无论是哪种保险业务，外资公司的范围经济状况都要强于中资保险公司。（3）拥有有效企业内控的寿险公司，其范围经济情况更好，寿险公司的范围经济情况与他们的规模大小、股份性质、资产利润率无关。最后，本文总结了研究成果及进一步的研究设想，并从监管角度和寿险公司本身提出相关的建议。
[Abstract]:Since China's entry into WTO in 2001, with the rapid increase of the main body of competition, the competition of life insurance industry in our country is more and more fierce, the market concentration is decreasing constantly, the low level extensive expansion mode of each company has become the restriction of the sustainable development of the life insurance company. Therefore, changing the mode of development and improving management efficiency become the development strategy of life insurance companies. The scope economy of the life insurance company has an important influence on its management efficiency. Therefore, it is of practical significance to study the scope economy of the life insurance company to improve the management efficiency of the life insurance company in our country. This paper analyzes the present situation of life insurance scope economy in China by means of logarithmic cost function and econometric model. First of all, it reviews the domestic and foreign research on insurance industry scope economy and other industry scope economy. Secondly, it introduces the general principle of scope economy and the cost function applied in the study. The author defines the scope economy of life insurance industry, and analyzes the internal and external factors affecting the scope economy of life insurance industry qualitatively. Based on the above research, the author adopts the logarithmic cost function, selects the specific input-output index, and excavates the dynamic change and development trend of the scope economy of the life insurance company. Furthermore, the regression model is established to analyze the internal influence factors of scope economy. The results show that: (1) on the whole, the scope of the life insurance industry is not optimistic, whether Chinese enterprises or foreign-funded enterprises, most companies show a weak scope of uneconomic; The scope economy of small and medium-sized life insurance companies is slightly better than that of large life insurance companies, and the scope economic situation of foreign capital companies is completely superior to that of Chinese life insurance companies; (2) from the perspective of specific products, the life insurance business of each life insurance company, Accident injury insurance business and health insurance business have not reached scope economy, the cost complementary effect between them is not obvious, but the scope economy of health insurance is the best, accident injury insurance is the second, and life insurance is the worst. Its scope economy is getting worse and worse. No matter what kind of insurance business, the scope economy of foreign companies is better than that of Chinese insurance companies. (3) Life insurance companies with effective internal control have better scope economic conditions. The scope economy of the life insurance company is independent of their size, the nature of the shares, and the profit margin of the assets. Finally, this paper summarizes the research results and further research ideas, and puts forward relevant suggestions from the perspective of supervision and life insurance companies themselves.
【学位授予单位】：北京工商大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.6

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