The main affecting factors of scale efficiency of insurance are running expenses and premium. The negative effect of running expenses is larger than the positive effect of premium.
影响保险公司规模效率的主要因素是经营费用和保费收入，经营费用的负向影响作用大于保费收入的正向作用。
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"What Skechers are doing great is that they don't do the really high premiumrunning shoes," Andersen says.