论中国保险产业的适度规模

规模经济对于保险产业而言有特别重要的意义。从实证分析来看中国保险产业规模经济并不明显,其中规模最大的几家保险公司并没有实现经济规模。所以应寻找一种适度的规模以实现现阶段我国保险产业的规模经济与产业效率。本文在保险产业规模经济评价标准的基础上,采用定性与定量相结合的方法对中国保险产业的规模作实证分析,由此建立中国保险产业现阶段的适度规模,并提出实现这一适度规模的现实途径。

Scale of economy is of particular importance to the insurance industry. The exponential analysis shows that the scale of economy feature of the insurance industry is not very conspicuous at the moment and several top insurance companies haven＇t achieved the scale of economy effect. Therefore we should seek an appropriate scale of the industry to realize the scale of economy and efficieney of the industry. The paper made an exponential analysis on the scale of China＇s insurance industry with both quantitative and qualitative methods on the basis of the appraisal parameters of the scale of economy for the industry. It arrived at the appropriate scale of the insurance industry at the current stage and proposed a realistic path for achieving this scale.