我国财险业两产品间范围经济的研究——基于超越对数成本函数

Research of Scope Economy between Two Products of Property Insurance Industry in China,based on Tranloga⁃rithmic Cost Function

为了探究财险公司综合经营的可行性和未来发展的可能性,本文深入分析了财险公司产品间的范围经济状况。利用2007-2015年34家财险公司的数据,使用超越对数成本函数进行回归分析,得到以下结论:我国的中资财险公司产品间范围经济状况整体要好于外资财险公司,外资财险公司的产品之间普遍存在范围不经济的情况;小型财险公司的范围经济情况要优于大型财险公司,大型财险公司产品之间的范围不经济已经达到了非常严重的程度。最后,本文就得到的结论提出了相关的政策建议。

In order to explore the feasibility of the comprehensive operation of the property insurance company and the possibility of future development,this paper deeply analyzes the economics of scope situa⁃tions between the property insurance company's products.Using the data of 34 property insurance companies and the translog cost function for regression analysis,it is concluded that the overall economics of scope situa⁃tion of Chinese property insurance companies is better than that of foreign property insurance companies,and there are diseconomics of scope between the products of foreign property insurance companies generally;the overall economics of scope situation of small property insurance companies is better than that of large property insurance companies,there are serious diseconomics of scope between the products of large property insurance companies.Finally,the paper concludes with relevant policy recommendations.