摘要
在目前的经济形势和保险业发展背景下,中国的寿险产品结构面临着进一步的调整和优化,而且影响因素众多。为了更好的把握调整方向,本文试图从公司微观层面寻求影响中国寿险产品结构调整的各个因素。基于2005年～2010年6年间,37家寿险公司的面板数据,运用非均衡面板数据的回归方法,得出寿险产品结构与公司的规模实力、经营稳健性、盈利能力、监管、股权性质都存在着显著的相关性,并且其调整趋势具有一定的合理性。但是,随着外界环境的变化,寿险产品结构调整会更加严峻,在遵循公司内部发展变化的基础上,还应不断适应外因的改变。
In the current economic situation and the development of the insurance sector,life insurance product structure faces further adjustment and optimization in China,and there are many factors affecting the product mix restructuring.In order to grasp the appropriate direction for the restructuring,this paper aimed to identify factors affecting the adjustment at the micro-level.Based on the regression of unbalanced panel data of 37 life insurance companies from 2005 to 2010,it arrived at the conclusion that life insurance product structure had a significant correlation with the company′s scale strength,operating stability,profitability and ownership type,and regulation,and the adjustment trend had some rationality.However,with the changes of the external environment,the adjustment would be more rigorous.Insurers should not only follow their internal developments,but also get adapted to external changes.
出处
《保险研究》
CSSCI
北大核心
2012年第2期13-20,共8页
Insurance Studies
关键词
产品结构
非均衡面板
倒U型
product structure
unbalanced panel
inverted U-type
