银保业务规模对人身险公司效率的影响与门槛效应研究  

Research on the Influence of Bancassurance Business Scale on the Efficiency of Life Insurance Companies and the Threshold Effect

作　　者：徐徐[1] 王正祥 Xu Xu;Wang Zhengxiang

机构地区：[1]北京工商大学经济学院,北京100048

出　　处：《保险职业学院学报》2020年第3期5-11,共7页Journal of Insurance Professional College

摘　　要：本文研究银保业务规模对人身保险公司经营效率的影响,并分析这种影响是否会随着人身保险公司规模的变化而发生门限效应。文章运用固定效应面板模型、面板门槛效应模型进行实证回归分析与检验,最后得出的结论为:银保业务规模对人身保险公司的技术效率影响不太显著,但是对规模效率具有显著影响,而且这些影响效果会随着公司规模的变化而产生门限效应,显示出在不同的发展阶段会出现结构性变化。This paper studies the impact of Bancassurance business scale on the operational efficiency of life insurance companies,and analyses whether this impact will have a threshold effect with the change of the size of life insurance companies.This paper uses fixed-effect panel model and panel threshold effect model to carry out empirical regression analysis and test.The final conclusion is that the scale of Bancassurance business has no significant impact on the technical efficiency of life insurance company,but has a significant impact on the scale efficiency,and these effects will change with the size of the company.The threshold effect shows that there will be structural changes in different stages of development.

关 键 词：银保业务规模 效率 门槛效应 

分 类 号：F84[经济管理—保险]