我国寿险公司利润影响因素研究

发布时间：2018-04-05 02:39

本文选题：寿险公司　切入点：利润影响因素　出处：《广西大学》2014年硕士论文

【摘要】：影响我国寿险公司利润的因素有哪些?为何寿险公司的盈利状况相差甚远?要客观的解决这些问题,必先探明是哪些影响因素以及这些因素的影响路径和影响程度。在实证分析方面,以我国42家主要寿险公司的经营数据为基础,使用因子分析法和多元回归分析进行研究,研究表明：我国寿险公司存在规模效益,大型寿险公司盈利高于中小寿险公司；保单质量下降对公司的利润具有较大负面影响；投资因素是影响寿险公司利润的重要因素。本文认为提高我国寿险公司利润的措施有：大型寿险公司利用自身规模提升公司经营效益,扩大投资收益,中小寿险公司在问不经营的基础上,提高承保质量,减少赔付支出,提高利润；为此就要拓宽寿险资金的投资渠道,增加投资利润,加大产品创新和品牌建设力度,加强内部经济核算,严控费用支出,加强业务风险控制能力。
[Abstract]:What are the factors that affect the profit of life insurance companies in China?Why does the profit position of life insurance companies differ so far?In order to solve these problems objectively, we must find out which influencing factors and the influence path and degree of these factors.In the empirical analysis, based on the management data of 42 major life insurance companies in China, factor analysis and multiple regression analysis are used to study. The results show that there are economies of scale in life insurance companies in China.The profit of large life insurance company is higher than that of medium and small life insurance company, the quality of insurance policy has negative influence on the profit of the company, and the investment factor is the important factor that affects the profit of life insurance company.This paper holds that the measures to improve the profit of life insurance companies in our country include: large life insurance companies use their own scale to improve their operating efficiency, expand their investment income, and small and medium-sized life insurance companies, on the basis of not operating, improve the underwriting quality and reduce the payout.Therefore, it is necessary to broaden the investment channels of life insurance funds, increase investment profits, increase product innovation and brand construction, strengthen internal economic accounting, strictly control expenditure, and strengthen the ability of business risk control.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3;F840.4

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