保险公司内生性增长方式的理论解析  

A Theoretical Analysis of the Organic growth Pattern of the Insurance Companies

作　　者：祝向军[1] 

机构地区：[1]南开大学风险管理与保险学系,天津300071

出　　处：《江西财经大学学报》2010年第5期44-49,共6页Journal of Jiangxi University of Finance and Economics

基　　金：教育部人文社会科学"风险基础保险监管的理论分析和模式构建研究"(07JA790055)

摘　　要：通过对保险产品和保险公司资本的分解,提出资本的最优内部构成假说。将保险公司的最优保费收入增长模型视为里昂惕夫式的函数,并通过保险技术系数a的内生化,探讨保险公司的内生性增长方式,得到保险公司实现最优保险费收入规模的稳定增长路径。在此基础上提出了保险产品"生产"技术提高和员工生产效率的改进建议,以促进我国保险业发展方式的加快转变。The author analyzes the insurance product and the insurance company capital and introduces a new optimal internal structure hypothesis of the insurance company capital.The author also claims that the growth model of the insurance company is leontief function.Furthermore,the article analyses the organic growth model of the insurance company by making the insurance technical factor endogenous,and derives the sustainable growth path to realize optimal insurance income.Based on the above analyses,the author proposes improving the production technique and employees’ productive efficiency to promote the transformation of the development mode of Chinas’ insurance industry.

关 键 词：内生性增长 里昂惕夫生产函数 保险技术系数 

分 类 号：F840[经济管理—保险]