我国保险企业范围经济及其影响因素研究——基于产险与寿险公司的差异性分析

发布时间：2019-03-24 13:08

【摘要】：我国保险企业范围经济的研究文献中所得结论存在差异,同时也没有进一步研究保险企业范围经济影响因素。本文以我国2009~2014年33家保险机构面板数据为基础,引入广义超越对数成本函数以及系统GMM估计方法,对我国保险业范围经济情况进行分析。研究结果发现,样本区间内,我国财险公司普遍存在范围经济,大型寿险公司存在明显的范围不经济,中小型寿险公司存在微弱的范围经济。范围经济的影响因素中,滞后一期的范围经济对当期范围经济具有显著的正向影响,保险机构的盈利能力、发展潜力以及管理水平对范围经济具有不同方向的显著影响,资产规模和企业性质对保险机构范围经济有显著的影响。另外,国内经济发展水平对保险机构范围经济没有显著影响。最后,本文总结了研究成果并提出了可行性政策建议。
[Abstract]:There are differences in the conclusions obtained in the research literature of insurance enterprise scope economy in China, and there is no further study on the influencing factors of insurance enterprise scope economy. Based on the panel data of 33 insurance institutions in China in 2009 / 2014, this paper introduces the generalized transcendental logarithmic cost function and the systematic GMM estimation method to analyze the economic situation of insurance scope in China. The results show that in the sample range, China's property insurance companies generally exist scope economy, large-scale life insurance companies have obvious scope uneconomical, and small and medium-sized life insurance companies have weak scope economy. Among the influencing factors of scope economy, the lagging one stage scope economy has a significant positive impact on the current scope economy, and the profitability, development potential and management level of insurance institutions have significant effects on scope economy in different directions. The size of assets and the nature of enterprises have a significant impact on the scope economy of insurance institutions. In addition, the level of domestic economic development has no significant impact on the scope of insurance institutions. Finally, this paper summarizes the research results and puts forward feasible policy recommendations.
【作者单位】：中央财经大学保险学院;
【分类号】：F842.3

【参考文献】