我国财产保险公司综合费用率影响因素的实证分析

发布时间：2018-01-12 12:06

本文关键词：我国财产保险公司综合费用率影响因素的实证分析　出处：《西南财经大学》2016年硕士论文　论文类型：学位论文

【摘要】：我国自1978年实施改革开放,1980年恢复国内保险业务,2001年加入WTO,尤其是2006年保险业实施全面对外开放以来,财产保险业有了快速发展。截止到2015年底,财险公司总资产规模达18481.13亿元,较2006年总资产的2340.45亿元增长了7.89倍；财险公司原保险业务保费收入7994.97亿元,较2006年的1510.04亿元增长了5.29倍1；中资财产保险公司数量达51家,较2006年的23家增长了2.22倍。与此同时,经过多年的快速发展我国相当一部分财险公司积累的问题与矛盾也开始显现出来,给财产保险的发展面带来较大的障碍。目前比较突出的现象就是综合费用率2偏高,综合费用率支出较多；保险产品单一,产品与服务创新能力不强；市场结构较为集中等。这些问题势必会给市场的持续发展带来不利影响。特别是财险业经营过程中综合费用率支出这一核心问题,截止到2014年年底,我国财产保险公司的综合费用率为36.31%3,综合费用率支出问题已经成为关乎到财产保险公司偿付能力提升、能否创造效益和提高绩效的关键。而这个问题的解决需要从理论上分析其产生根源,并从实证的角度分析其可能的影响因素。本文认为我国财产保险公司的综合费用率情况是能够真实反映市场竞争态势、企业行为并最终决定财产保险公司的市场绩效的重要数据,本文运用产业组织学的SCP范式的理论与研究方法,同时有效结合了我国财险市场的实际情况,在产业组织理论框架下,以实证研究为主要手段,通过从市场结构和市场行为等方面来探求我国财产保险业综合费用率支出高启,最终导致财险保险公司市场绩效低下的影响因素。本文先通过对我国17家财险公司从2007年到2014年的综合费用率进行初步的统计,得出我国目前财险公司的综合费用率偏高,接着运用SCP范式,从市场结构和市场行为以及行业监管政策这几个因素中选取变量进行实证分析,选取的因素包括保费收入占比、固定资产比例、车险保费增长率、公司成立年限以及政策,并对此进行假设。实证分析的结果是保费收入占比与财险综合费用率成正比,说明财险市场集中度过高,市场竞争不充分；固定资产比例综合费用率成正比,说明财险公司盲目扩张机构的粗放经营方式会对经营绩效产生不好的影响；车险保费增长率占比与综合费用率成正比,说明我国财险公司业务结构不合理,产品同质化现象严重,各家公司纷纷采取“价格战”、“暗补贴”等手段,致使综合费用率居高不下；代表经营理念的企业成立年限指标与综合费用率成反比,说明我国的财险公司,包括成立年限较久的公司,采取先进经营理念惯性较强、影响了财险公司的综合费用率。至于产业监管政策这重要因素对我国财险公司费用的影响是正相关。在接下来的章节里,本文根据上述实证分析结果,从市场结构、市场行为、以及产业政策几个方面对我国财险公司和监管机构提出一些针对性的对策及建议。
[Abstract]:Since China's reform and opening in 1978 1980, restored the domestic insurance business in 2001 to join WTO, especially the implementation of full opening of the insurance industry since 2006, the property insurance industry has made rapid development. By the end of 2015, the total assets of insurance companies amounted to 1 trillion and 848 billion 113 million yuan, 234 billion 45 million yuan of total assets in 2006 compared with an increase of 7.89 times; insurance the original insurance premium income of 799 billion 497 million yuan, 151 billion 4 million yuan in 2006 increased by 5.29 times 1; the number of Chinese property insurance companies reached 51, compared with 23 in 2006 increased by 2.22 times. At the same time, the problems and contradictions after years of rapid development of China's Insurance Company accumulated a considerable part began to emerge, to development of property insurance brings great obstacles. 2 high rate currently more prominent phenomenon is the comprehensive cost rate, spending more comprehensive cost; single insurance product, and products The service innovation ability is not strong; the market structure is relatively concentrated. These problems will bring adverse effect to the sustainable development of the market. Especially the core problem of comprehensive cost expenditure rate of insurance industry in the process of operation, by the end of 2014, the comprehensive cost of property insurance company in China with the rate of 36.31%3, the comprehensive cost rate of expenditure has been related to the property insurance company solvency, can create benefits and improve the performance of the key. The solution to this problem from the theoretical analysis of its causes, and to analyze the possible influence factors from the perspective of empirical research. This paper argues that the comprehensive cost of China's property insurance rate is able to reflect the true market competition the situation, important data of enterprise behavior and ultimately decide the property insurance company's market performance, theory and Research on the using of industrial organization SCP paradigm At the same time, effective method, combined with the actual situation of the insurance market of our country, in the framework of industrial organization theory, by means of experimental research, from the aspects of market structure and market behavior to explore the property insurance industry of our country comprehensive cost expenditure rate Gao Qi, resulting in property insurance insurance insurance company low affects market performance factors. Firstly, based on the comprehensive cost of China's 17 property insurance companies from 2007 to 2014, the rate of the preliminary statistics, the current cost of insurance companies is higher, then using the SCP model, an empirical analysis of the variable selection of these factors from the market structure and market behavior and industry regulatory policies, selection factors including the premium income accounted for the proportion of fixed assets, insurance premium growth rate, the establishment of the company life and policy, and this hypothesis. The results of the empirical analysis is the premium income and the proportion of Comprehensive insurance cost rate is proportional to the description of the insurance market concentration is too high, the market competition is not sufficient; the proportion of fixed assets cost rate is proportional to the extensive management of insurance companies, that the blind expansion of institutions will have a bad impact on business performance; insurance premium growth ratio and the comprehensive cost rate is proportional to the description of the business structure China's property insurance company is not reasonable, the product homogenization phenomenon is serious, companies have adopted a "price war", "dark subsidies" means that the high rate of comprehensive cost; on behalf of business philosophy of the enterprise established life index and the comprehensive cost rate is inversely proportional to China's insurance companies, including the establishment of a long term company take the advanced management idea, strong inertia, affects the comprehensive cost of property insurance companies. As for the influence of industry regulatory policy rate of the important factors on the cost of property insurance companies in China In the following chapters, according to the above empirical analysis, we put forward some targeted countermeasures and suggestions for China's property insurance companies and regulatory agencies from the aspects of market structure, market behavior and industrial policies.

【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F842.3

【引证文献】