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国内外对保险行业的经济规模经济进行了相关的研究。本文主要采取定量研究以及定性研究的办法对目前我国保险公司规模经济进行实证分析,结果表明,我国的保险业存在规模不够经济、全要素贡献程度低以及狭义技术进步贡献低等问题。因此倡导保监会不断完善保险业发展政策、加强专业保险经理人培养以及积极推广混业经营方式,加强业内的合作,逐渐扩大保险业的规模经济。
At home and abroad, the economic scale economy in the insurance industry has been studied. This paper mainly adopts quantitative research and qualitative research methods to make an empirical analysis of the current scale of insurance companies in our country. The results show that the insurance industry in our country is not economical enough, the total factor contribution is low and the narrow contribution of technological progress is low. Therefore, the CIRC is encouraged to continuously improve the insurance development policy, strengthen the training of professional insurance managers, and actively promote the mixed operation mode, strengthen the cooperation in the industry and gradually expand the scale economy of the insurance industry.