保险公司规模经济实证分析

An empirical analysis on the scale economy of insurance companies

随着金融体系改革步伐的加快,我国保险公司进入了迅猛的规模扩张阶段。然而伴随着经营规模的扩张,保险公司的经营业绩却未能实现同步改善。本文从规模经济的理论内涵入手,实证检验了保险公司规模经济的存在性。结果表明,我国保险公司仍处于规模不经济的状态,保险市场整体实力有待提高。保险公司在不断扩张经营规模、争夺市场份额的同时,必须注重效率的提升,努力实现可持续发展。

With the rapid development of the financial system, insurance compames m tShma nave come into the stage of rapid scale expansion. However, along with the expansion of operation scale, the business insurance companies haven＇t achieved synchronous growth on business performance. This article starts from the theory of scale economy. The existence of scale economy for insurance companies has been proved by experimental verification. The result indicates that insurance companies in China are still in the stage of diseconomy scale, and the comprehensive strength of the insurance market needs to be improved quickly. The insurance companies should pay more attention to efficiency promotion to achieve sustainable development, while expanding business scale and gaining market shares.