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在金融行业分业经营的大背景下,保险公司集团化已经成为我国大中型保险公司的重要战略选择。正确认识集团化经营的利与弊,避免盲目集团化可能导致的经营管理效率降低等问题,已经成为我国保险业亟待解决的重要问题。本文基于随机前沿方法(SFA),根据超越对数成本函数模型,在考虑财产保险公司和寿险公司经营特点差异的基础上,分别评估了集团化对其成本效率的影响情况,并对保险公司集团化战略提出相关建议。实证结果显示,集团化经营对于财产保险公司成本效率的提升具有更为显著的作用。
Under the background of separate operation in the financial industry, collectivization of insurance companies has become an important strategic choice for large and medium-sized insurance companies in our country. Correct understanding of the advantages and disadvantages of the group management, to avoid blindly collectivization may lead to lower management efficiency and other issues, has become China’s insurance industry an important issue to be solved. Based on the stochastic frontier approach (SFA), based on the transcendental cost function model, the impact of the collectivization on its cost efficiency is evaluated based on the differences in operating characteristics between the property insurance company and the life insurance company. The insurance company group Strategy put forward relevant proposals. The empirical results show that the group management has a more significant effect on the cost efficiency of property insurance companies.