中国农业保险公司的规模经济和范围经济研究  

Scale and Scope Economies in Chinese Agricultural Insurance Companies

作　　者：孙蓉[1] 韩文龙[2] 王向楠[3] 

机构地区：[1]西南财经大学保险学院,四川成都611130 [2]西南财经大学经济学院,四川成都611130 [3]北京大学经济学院,北京100871

出　　处：《保险研究》2013年第12期29-38,共10页Insurance Studies

基　　金：四川省科技厅项目(2012ZR0150);西南财经大学中央高校基本科研业务费项目(JBK1307055)的资助

摘　　要：本文以描述分析中国农业保险公司的规模、业务结构和经营地域变动情况为基础,利用面板数据回归分析发现,中国农险公司存在虽减弱但仍明显的规模经济和范围经济。进一步检验发现,农险公司的规模对规模经济和范围经济的影响并不显著;农险业务比重对规模经济的影响负向显著,对范围经济的影响正向显著;跨地区经营程度对范围经济的影响负向显著。实证结果支持中国农险公司扩大规模,加强多元化经营尤其是发展非农险业务,扩展经营区域,以更好地加强或保持规模经济和范围经济收益,这同时需要相关政策的支持。Firstly, this study elaborated on the size, business lines, and change of geographical scope of Chinese agricultural insurance companies. Secondly, throush panel data analysis, this study found there was decreasing but still obvious economies of scale and economies of scope for Chinese agricultural insurance companies. Thirdly, through the regression test, this study revealed that：the company size had no significant impact on neither scale e- conomies nor scope economies;the proportion of agricultural insurance business had a significantly negative correla- tion to the scale economies, but a significantly positive correlation to the scale economies; the degree of cross-re- gional operation negatively impacted scope economies significantly. Finally, the empirical results suggested that Chi- nese agricultural insurance companies should expand their business scale, diversify business lines, especially into non-agricultural insurance businesses, and expand operation geographically, in order to enhance or keep the bene- fits of scale and scope economies. Materialization of these suggestions also required the supports from policy-makers.

关 键 词：农业保险公司 规模经济 范围经济 

分 类 号：F842[经济管理—保险]