太平洋产险公司交强险经营效率分析

发布时间：2018-02-27 20:55

本文关键词： 交强险保费收入赔付率费用率效率　出处：《湖南大学》2013年硕士论文　论文类型：学位论文

【摘要】：交强险是我国第一个由法律规定的强制性保险,其经营状况对于各个财产险公司,有着非常重要的意义：交强险作为一个险种,经营状况的好坏将直接影响公司整体利润的盈亏。其经营原则被定为“不盈不亏”,但是,这样一种收入与支出的平衡状态在现实中是十分难以达到的。若交强险经营不善,则会严重冲抵掉其他险种带来的业务收入,给公司的整体经营带来负面影响。本文将在对于太平洋产险公司交强险交强险经营状况进行分析的基础上,着重对其经营效率进行分析,使公司客观、全面、立体地了解其交强险业务的经营,以及发现经营过程中遇到的问题,并为公司进一步调整业务提供理论依据,具有一定的现实意义。本文首先运用聚类分析法来考察整个公司交强险保费收入在区域上的聚结现象,进而通过对赔付率与费用率之间相关性的分析,对公司交强险业务在费用分摊过程中是否存在人为因素的干预进行了判断；接着,运用数据包络分析法,对各个地区分公司交强险经营的综合技术效率、纯技术效率和规模效率进行测度与评价,指出影响公司交强险经营效率的原因；最后,运用Malmquist指数,对公司交强险经营效率的动态变化进行分析。
[Abstract]:Traffic insurance is the first compulsory insurance provided by law in our country. Its operating condition is of great significance to all property insurance companies: as a kind of insurance, The operating condition will directly affect the profit and loss of the company as a whole. Its operating principle is "no profit, no loss", but such a balance of income and expenditure is very difficult to achieve in reality. It will seriously offset the business income brought by other kinds of insurance and bring negative impact to the overall operation of the company. Focusing on the analysis of its operating efficiency, the company can objectively, comprehensively and stereoscopically understand the operation of its traffic insurance business, and find out the problems encountered in the course of operation, and provide the theoretical basis for the company to further adjust its business. Has certain realistic significance. In this paper, we first use cluster analysis to investigate the regional convergence of premium income in the whole company, and then analyze the correlation between the compensation rate and the expense rate. The paper makes a judgment on whether there are human factors in the process of cost allocation, and then applies the data envelopment analysis method to analyze the comprehensive technical efficiency of the traffic insurance operation in each regional branch. The paper measures and evaluates the pure technical efficiency and scale efficiency, and points out the reasons that affect the management efficiency of traffic insurance. Finally, using Malmquist index, the paper analyzes the dynamic changes of the operational efficiency of traffic insurance.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.3

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