保险公司车险承保利润差异的根源分析——基于供给侧与需求侧的双向研究  

An Analysis of the Root Causes for the Underwriting Profit Differences in Automobile Insurance:A Two-Way Research Based on both the Supply and Demand Sides

作　　者：陆思婷 粟芳[1] LU Si-ting;SU Fang(Shanghai University of Finance and Economics,Shanghai 200433,China)

机构地区：[1]上海财经大学金融学院,上海200433

出　　处：《江西财经大学学报》2020年第4期65-75,共11页Journal of Jiangxi University of Finance and Economics

基　　金：上海市社会科学规划一般课题“保险业系统性风险的根源、传递与影响”(2018BJB009)。

摘　　要：从保险公司供给的角度及各地区消费者需求的角度分别探寻了影响车险承保利润差异的因素,采用Oaxaca-Blinder分解准确度量了各影响因素的贡献程度。研究结果发现,车险的供给侧方面,保险公司的分支机构数量、是否上市、经营年数、市场景气和公司性质均有影响,以分支机构数量的影响最大。车险的需求侧方面,各地区经济发展水平、平均里程数和交通事故直接财产损失也有影响,以经济发展水平影响最大。供给侧与需求侧的研究结论一致表明,当下中国车险市场的制胜策略是“量”。保险公司只有努力在持续增长的汽车保有量中不断占有更大的量,才会凭借规模而获得利润;所有有关于车险“质”的投入暂时都没有明显效果。This paper explores the factors affecting the underwriting profit differences in automobile insurance from the perspective of the supply of insurance companies and from the perspective of the demand of consumers at different regions.The detailed contribution degrees of all the influencing factors are also measured accurately by using Oaxaca-Blinder decomposition.The results show that the factors from the supply side of insurance companies,such as the number of branches,whether listed or not,operation years,market situation and company nature,all have an impact on the underwriting profits,among which,the number of branches has the most important effect.From the demand side of automobile insurance,such factors as the regional economic development level,the average mileage and the direct property loss in traffic accidents also have impacts on the underwriting profit of automobile insurance,among which the economic development has the most significant impact.The conclusions of the study from both the supply side and demand side indicate that at present the winning strategy in China’s automobile insurance market is still the“quantity”.Only by making great efforts to continuously possess larger market share in the ever increasing numbers of cars,can the insurance companies obtain some profits by virtue of their scales.All the input concerning the“quality”of automobile insurance shows no significant effect for the time being.

关 键 词：机动车辆保险 承保利润 供给 需求 OAXACA-BLINDER分解 

分 类 号：F840.4[经济管理—保险]