外资保险公司的进入对中资保险公司的影响

发布时间：2018-04-04 09:20

本文选题：外资保险公司　切入点：中资保险公司　出处：《浙江财经大学》2014年硕士论文

【摘要】：自中国加入WTO以来，保险行业蓬勃发展，外资保险公司进入步伐不断加快，，但外资保险公司的进入程度依然较低，其中的主要原因是监管当局的谨慎开放政策和政策上的一些限制，导致外资保险公司未能充分发挥其竞争能力，市场份额迟迟未能有所突破。本文研究的重点是外资保险公司的进入对中资保险公司效率的影响，论文中运用DEA法测算出了中资保险公司的效率，实证模型得出的结论是外资保险公司的进入对中资保险公司效率具有积极的影响，由此提出政府应该加大引入外资保险公司力度的主张。本文运用经济学、金融学、运筹学的有关理论，分析了外资保险公司进入中国的现实，用理论与实证研究结合的方法，对外资保险公司进入给中资保险公司效率带来的影响展开研究，从政府和中资保险公司两个层面提出对策，按照“理论基础-现状分析-理论分析-实证分析-对策”的技术路线进行研究分析。首先，第一章导论部分主要介绍了国内外研究的理论基础，第二章介绍了外资保险公司的进入现状，同时从理论上分析了其潜在影响。其次，对本文测量效率的工具数据包络分析法进行了理论分析，指出了将其运用到保险公司效率测量方面的可行性，考虑到保险公司规模报酬可变的特征，有针对性地选择了BCC模型进行效率测算，并对运用该方法的优势和操作方法进行了阐述。再次，实证部分首先从样本的选取进行了阐述，然后重点介绍了投入、产出指标的选取，最终选择员工人数、实收资本与资本公积之和、营业税金及附加+业务管理费+手续费及佣金作为投入指标，选择保险业务收入、赔付支出-摊回分保赔款+退保金+各险种给付、投资收益作为产出指标。从宏观经济因素、行业因素及保险公司自身因素三个层面分析其对效率的影响，为实证模型的建立奠定了基础。通过实证得出外资保险公司的进入无论是在当期还是滞后一期对中资保险公司效率都存在正向影响，其中当期的进入程度对效率的影响更大，外资保险公司进入程度每提升1%，中资保险公司效率可以提升9.9%，滞后一期一期进入程度每提升1%，中资保险公司效率可以提升3.9%。最后从政府层面和中资保险公司自身两个层面提出对策。政府应该加大引入外资保险公司的力度，但要维持谨慎性原则，做到循序渐进，不能盲目，同时可以有针对性地区分外资寿险公司和外资财险公司的市场准入。中资保险公司自身应提高自身的竞争力，要完善风险防范机制，并不断壮大规模，扩大自身市场份额。
[Abstract]:Since China's entry into the WTO, the insurance industry has been booming, and the entry of foreign insurance companies has been accelerating, but the degree of entry of foreign insurance companies is still relatively low.The main reason is that the regulatory authorities' prudent open policy and some restrictions on policy, resulting in foreign insurance companies are unable to give full play to their competitiveness, market share has not been able to break through.This paper focuses on the impact of the entry of foreign insurance companies on the efficiency of Chinese insurance companies. The paper uses the DEA method to calculate the efficiency of Chinese insurance companies.The conclusion of the empirical model is that the entry of foreign insurance companies has a positive impact on the efficiency of Chinese insurance companies, so the government should strengthen the introduction of foreign insurance companies.Based on the theories of economics, finance and operational research, this paper analyzes the reality of foreign insurance companies entering China, and combines the theory with empirical research.This paper studies the impact of the entry of foreign insurance companies on the efficiency of Chinese insurance companies, and puts forward countermeasures from the two levels of government and Chinese insurance companies.According to the "theoretical basis-current situation analysis-theoretical analysis-empirical analysis-countermeasures" technical route to research and analysis.First of all, the first chapter introduces the theoretical basis of domestic and foreign research, the second chapter introduces the current situation of foreign insurance companies, and analyzes its potential impact theoretically.Secondly, the paper makes a theoretical analysis of the tool data Envelopment Analysis method for measuring efficiency, and points out the feasibility of applying it to the efficiency measurement of insurance companies, taking into account the characteristics of variable returns on scale of insurance companies.The BCC model is chosen to measure the efficiency and the advantages and operation methods of using this method are described.Thirdly, the empirical part first elaborates from the sample selection, then focuses on the selection of input, output indicators, the final choice of the number of employees, the sum of paid-in capital and capital reserves.Operating tax and additional business management fee and commission are taken as input index, insurance business income is selected, pay-expense is compensated, reinsurance indemnity is paid, and investment income is taken as output index.This paper analyzes the effects of macroeconomic factors, industry factors and insurance companies' own factors on efficiency, which lays a foundation for the establishment of empirical model.Through empirical analysis, it is concluded that the entry of foreign insurance companies has a positive impact on the efficiency of Chinese insurance companies, whether in the current period or in a lag period, in which the degree of entry in the current period has a greater impact on efficiency.For each increase in the degree of entry of foreign insurance companies, the efficiency of Chinese insurance companies can be improved by 9.9 percent, while that of Chinese insurance companies can be improved by 3.9 percent for each increase in the level of entry in the first phase.Finally, from the government level and the Chinese insurance company itself two levels of countermeasures.The government should strengthen the introduction of foreign-funded insurance companies, but it should maintain the principle of caution, so as to step by step, not blindly, and at the same time, it can distinguish the market access of foreign-funded life insurance companies and foreign-funded property insurance companies in a targeted way.Chinese insurance companies should improve their own competitiveness, improve the risk prevention mechanism, and expand their market share.
【学位授予单位】：浙江财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3

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