發(fā)布時間：2018-09-19 07:22

【摘要】：本文按照主導行業(yè)的不同,將混業(yè)經(jīng)營模式分為保險主導、銀行主導、非銀行金融主導、實業(yè)主導四類,研究不同混業(yè)模式下保險公司經(jīng)營效率,分析銀行、券商、信托、壽險、財險等金融牌照對保險公司經(jīng)營效率的影響。本文采用中國大陸所有保險公司2007~2015年微觀數(shù)據(jù),運用SFA擴展模型,得出以下結論:保險主導模式下保險公司表現(xiàn)出較好的混業(yè)優(yōu)勢,其次是非銀行金融主導下的保險公司,二者均具有不錯的資源整合能力;"銀行、證券、信托"牌照對保險公司經(jīng)營效率均有提升作用,但"1+12"混業(yè)聚合效應目前并不存在,而且在某些情況下,對牌照的過度爭奪,會造成效率的損失;混業(yè)經(jīng)營對壽險公司的影響超過財險公司;分險種來看,銀行牌照對壽險公司經(jīng)營效率具有較為普遍的促進作用,壽險牌照對財險公司經(jīng)營效率的促進作用也較為明顯;跨界經(jīng)營方面,實業(yè)主導模式下保險公司經(jīng)營效率最低,同時保險公司控股實業(yè)參與經(jīng)營,對效率的提升也不明顯,僅對保險主導模式下公司的成本效率具有促進作用。
[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.
【作者單位】： 西南財經(jīng)大學保險學院;
【基金】：中央高�；究蒲袠I(yè)務費專項資金“我國非壽險公司基于最優(yōu)化生產(chǎn)理論的經(jīng)營效率研究”(批準號:JBK1507093)的資助
【分類號】：F842.3

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