保险公司规模经济的实证检验

采用超越对数成本函数模型对国有保险、中资保险和外资（或合资）保险企业的规模经济作了实证检验.结果显示,国有四家保险公司均存在规模不经济,中资保险公司比外资（或合资）保险公司的规模经济水平总体上要高.国有保险公司中,营业费用较高是造成规模不经济的主要原因;中资保险公司中,保费收入对营业费用有较高的规模经济,相比之下,外资（或合资）保险公司的经营效率偏低.

The Empirical Verification for the Scale Economy of Insurance Company

By means of the translogarithmic cost function,the article makes an empirical verification for the different insurance companies according to the ownership.The result shows that it is an uneconomic scale in the state-owned insurance company.But,the domestic company's scale economy is higher than that of the foreign company(including the joint ventures).It also shows that the high running expense is the main reason of the uneconomic scale in the state-owned insurance company.And the running efficiency in joint venture is lower than that of the state-owned insurance company.