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对保险业的规模经济作出有效分析是摆在我们面前的现实问题,对此国内外学者都进行了有益的探索。我们通过采用定性及定量的分析方法,进而采取全要素生产率测算方法对深圳保险业规模经济进行研究,结果表明,深圳保险业存在规模不经济、狭义技术进步贡献低、全要素贡献不显著等问题。因此建议保监会要力争完善政策;决策部门应积极推进混业经营,促进保险公司间的合作;社会应加强保险人员的培养等,以实现保险业的规模经济。
Effective analysis of the economies of scale in the insurance industry is a real issue before us, and both domestic and foreign scholars have conducted useful explorations. We use qualitative and quantitative analysis methods, and then take total factor productivity measurement method to study the scale of the insurance industry in Shenzhen, the results show that the existence of the scale of the insurance industry in Shenzhen is not economical, the narrow contribution to technological progress is low, the total factor contribution is not significant and other issues . Therefore, it is suggested that the CIRC should strive to perfect policies; the decision-making departments should actively promote mixed operation and promote cooperation among insurance companies; and society should strengthen the training of insurance personnel to achieve economies of scale in the insurance industry.