银行保险是否影响非寿险部门的业绩——以欧盟国家为例

Tomislava Pavic Kramaric, I. Pavić
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引用次数: 4

摘要

本文的目的是测试银行保险作为一种分销渠道对欧洲国家非寿险部门业绩的影响。分析指的是2009年?2015年期间,使用静态面板分析进行。所采用的绩效指标包括销售盈利能力以及技术活动的盈利能力比率,而模型中使用的自变量包括银行保险份额、市场份额、总书面保费增长率、索赔增长率、保险密度、保费占GDP的份额、再保险份额和保险公司数量。两种模型的分析结果都表明,市场份额在统计上是保险业绩效的显著决定因素,对绩效有负向影响。此外,保险密度对以技术活动利润率衡量的绩效有显著的正影响。
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DOES BANCASSURANCE AFFECT PERFORMANCE OF NON-LIFE INSURANCE SECTOR – CASE OF EU COUNTRIES
The aim of this paper is to test the influence of bancassurance as a distribution channel on performance of non-life insurance sector in selected European countries. The analysis refers to 2009 ? 2015 period and it is conducted using static panel analysis. Performance measures employed comprise of sales profitability as well as of profitability ratio of technical activity whereas independent variables used in the model include share of bancassurance, market share, gross written premium growth rate, claims growth rate, insurance density, share of premium in GDP, share of reinsurance and number of insurance companies. The results of the analysis in both models reveal that market share prove to be statistically significant determinant of insurance sector performance negatively affecting performance. Furthermore, insurance density has statistically significant and positive influence on performance measured with profitability ratio of technical activity.
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