KDI Journal of Economic Policy

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P-ISSN 1738-656X

Vol.28, No.1

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한국개발연구. Vol. 28, No. 1, June 2006, pp. 49-93

https://doi.org/10.23895/kdijep.2005.28.1.49

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The Effects of Bancassurance on the Stability and Efficiency of Banks: A Simulation Study

Dong min Na

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Abstract

This paper conducts an empirical analysis on the effects of bancassurance on stability and efficiency of the Korean banking industry. The stability and the efficiency are measured using Z-score and composite functional form based on the annual data of 2000 to 2004 for all domestic banks and insurance companies. The stability test indicates that expansion of bancassurance decreases the stability of banks. Furthermore, the efficiency test implies that with the extension of bancassurance, the cost efficiency declines while revenue efficiency rises, which results in an overall increase of profit efficiency.

Keywords

방카슈랑스(Bancassurance), Zscore, 모수적 접근방법(Parametric Approach), 비용․수익․이익 효율성(Cost․Revenue․Profit Efficiency)

JEL Code

G21, G22, G34

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