混业经营、金融牌照与保险公司经营效率
发布时间：2018-09-19 07:22
【摘要】：本文按照主导行业的不同,将混业经营模式分为保险主导、银行主导、非银行金融主导、实业主导四类,研究不同混业模式下保险公司经营效率,分析银行、券商、信托、寿险、财险等金融牌照对保险公司经营效率的影响。本文采用中国大陆所有保险公司2007~2015年微观数据,运用SFA扩展模型,得出以下结论:保险主导模式下保险公司表现出较好的混业优势,其次是非银行金融主导下的保险公司,二者均具有不错的资源整合能力;"银行、证券、信托"牌照对保险公司经营效率均有提升作用,但"1+12"混业聚合效应目前并不存在,而且在某些情况下,对牌照的过度争夺,会造成效率的损失;混业经营对寿险公司的影响超过财险公司;分险种来看,银行牌照对寿险公司经营效率具有较为普遍的促进作用,寿险牌照对财险公司经营效率的促进作用也较为明显;跨界经营方面,实业主导模式下保险公司经营效率最低,同时保险公司控股实业参与经营,对效率的提升也不明显,仅对保险主导模式下公司的成本效率具有促进作用。
[Abstract]:According to the difference of leading industries, this paper divides the mixed operation mode into four categories: insurance leading, bank leading, non-bank financial leading and industrial leading. Life insurance, property insurance and other financial licences on the efficiency of insurance companies. Based on the microscopic data of all insurance companies in mainland China from 2007 to 2015, and using the extended SFA model, this paper draws the following conclusions: insurance companies show better mixed advantages under the insurance dominant mode, followed by non-bank financial-dominated insurance companies. Both of them have good ability to integrate resources. "Bank, Securities, Trust" license can improve the operating efficiency of insurance companies, but the "112" mixed-industry aggregation effect does not exist at present, and in some cases, excessive competition for licences. It will result in loss of efficiency; the impact of mixed operations on life insurance companies will exceed that of property insurance companies; in terms of insurance coverage, bank licences will have a relatively common role in promoting the operational efficiency of life insurance companies. The promotion effect of life insurance licence on the management efficiency of property insurance companies is also obvious. In the aspect of cross-border operation, the insurance companies have the lowest operating efficiency under the industrial dominant mode, while the insurance companies' holding industries participate in the operation, and the promotion of efficiency is not obvious. It can only promote the cost efficiency of the company under the insurance dominant mode.
【作者单位】： 西南财经大学保险学院;
【基金】：中央高校基本科研业务费专项资金“我国非寿险公司基于最优化生产理论的经营效率研究”(批准号:JBK1507093)的资助
【分类号】：F842.3
本文编号：2249431
[Abstract]:According to the difference of leading industries, this paper divides the mixed operation mode into four categories: insurance leading, bank leading, non-bank financial leading and industrial leading. Life insurance, property insurance and other financial licences on the efficiency of insurance companies. Based on the microscopic data of all insurance companies in mainland China from 2007 to 2015, and using the extended SFA model, this paper draws the following conclusions: insurance companies show better mixed advantages under the insurance dominant mode, followed by non-bank financial-dominated insurance companies. Both of them have good ability to integrate resources. "Bank, Securities, Trust" license can improve the operating efficiency of insurance companies, but the "112" mixed-industry aggregation effect does not exist at present, and in some cases, excessive competition for licences. It will result in loss of efficiency; the impact of mixed operations on life insurance companies will exceed that of property insurance companies; in terms of insurance coverage, bank licences will have a relatively common role in promoting the operational efficiency of life insurance companies. The promotion effect of life insurance licence on the management efficiency of property insurance companies is also obvious. In the aspect of cross-border operation, the insurance companies have the lowest operating efficiency under the industrial dominant mode, while the insurance companies' holding industries participate in the operation, and the promotion of efficiency is not obvious. It can only promote the cost efficiency of the company under the insurance dominant mode.
【作者单位】： 西南财经大学保险学院;
【基金】：中央高校基本科研业务费专项资金“我国非寿险公司基于最优化生产理论的经营效率研究”(批准号:JBK1507093)的资助
【分类号】：F842.3
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