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本文运用广义超越对数成本函数模型,利用我国财险业2005—2010年的面板数据对我国主要财险公司的范围经济系数进行了估算实证分析结果显示,我国财险业同时存在范围经济与范围不经济的现象,其中大型财险公司存在明显的范围不经济,中小型财险公司存在微弱的范围不经济,而外资公司存在着明显的范围经济,这与以往的研究结果不一致。本文分析了这一结果的成因,并探讨了影响范围经济的因素,最后对财险公司利用范围经济效应提高经营效益和竞争力提出了可行性建议。
In this paper, we use the generalized transcendental cost function model to estimate the range economic coefficient of China’s major property and casualty insurance companies by using the panel data of China’s property insurance industry from 2005 to 2010. The empirical analysis shows that the property insurance industry in our country has both the range economy and the scope The phenomenon of uneconomic, of which large-scale property insurance companies there is a clear range of uneconomical, small and medium-sized property insurance companies have a weak range of non-economic, and foreign companies there is a clear scope of the economy, which is inconsistent with the previous findings. This paper analyzes the causes of this result and explores the factors that affect the scope of the economy, and finally puts forward feasible suggestions for the property insurance companies to use the scope of economic effects to improve operational efficiency and competitiveness.