影响我国寿险公司经营能力的因素分析

发布时间：2018-04-14 06:40

本文选题：寿险公司 + 经营状况　；参考：《浙江工商大学》2013年硕士论文

【摘要】：近十年来,我国寿险业发展取得了飞速进步,保费收入逐.年递增,即使在金融危机对我国金融业造成严重冲击的时期,我国寿险业也逆风而上,实现了新一轮增长高潮。金融危机的阴影渐渐淡去,我国寿险业却面临“瓶颈"问题,甚至在2011年出现了保费的负增长,各寿险公司愁云满布,试图寻找突破“瓶颈”的方法。2012年对整个寿险行业来说也是绝不是一帆风顺的一年,2012年上半年寿险业继续走低,直到下半年才有所回转,全年寿险业并不景气,各寿险公司的表现也迥然不同。寿险业与宏观金融走势背道而驰的原因何在哪些因素造就了寿险业当下的情势,这些因素又是如何作用于寿险公司的,进一步地,寿险公司的表现为何相差甚远,如何理性看待寿险公司的发展问题,要解决这些问题的前提是我们足够了解哪些因素影响了我国寿险公司的经营能力,这些因素的影响路径如何以及它们在多大程度上对我国寿险公司的经营能力产生影响。本文针对这些问题,先对有关报道和统计结果进行归纳总结,以实际数据为依据,客观描述了我国寿险业在金融危机前后出现“异常,,观象的事实。接着,又系统地对相关文献进行了综述,分别从宏观和微观两个维度寻求能够影响寿险公司经营能力的代表性因素,并基于时间序列数据与多元统计数据对代表性因素进行实证分析,运用实证结果诠释了上述提出(?)一系列问题,从理论角度揭示实际现象,得出了有意义的看法和结论。经分析研究,本文主要结论有：(1)在影响寿险公司经营能力的宏观因素中,GDP影响最大,并且在短期和长期均对其具有同向影响；利率次之,在短期和长期对其具有反向影响。通货膨胀率在短期对其有同向影响,长期影响则不确定；上证指数在短期对其有反向影响,长期影响也不确定。在更长期,第一期GDP、通货膨胀率和上证指数冲击的影响会逐步消失,公司经营能力受到新一轮冲击影响。(2)在影响寿险公司经营能力的微观因素中,规模因子对寿险公司经营能力的影响最大。也就是说,现阶段我国寿险公司具有一定的规模效应。
[Abstract]:In the past ten years, China's life insurance industry has made rapid progress, premium income.Even in the period of financial crisis, the life insurance industry of our country has gone up against the wind and realized a new upsurge of growth.The shadow of the financial crisis is fading away, but China's life insurance industry is facing a "bottleneck" problem, even in 2011 there was a negative growth in premiums, life insurance companies are full of gloom.Trying to find a way to break through the bottleneck. 2012 was not a smooth year for the entire life insurance industry either. The life insurance industry continued to decline in the first half of 2012 and did not return until the second half of the year.Life insurance companies also perform very differently.Why does the life insurance industry run counter to the macro financial trend? what factors have created the current situation of the life insurance industry, and how these factors act on the life insurance companies? furthermore, why do life insurance companies perform very differently?How to treat the development problems of life insurance companies rationally, and the premise of solving these problems is that we should understand enough what factors have affected the management ability of life insurance companies in our country.How these factors affect the path and to what extent they have an impact on the ability of our country's life insurance companies.In view of these problems, this paper summarizes the related reports and statistical results, and objectively describes the fact that the life insurance industry of our country appears abnormal and phenomenal before and after the financial crisis based on the actual data.Then, the related literature is summarized systematically, and the representative factors which can affect the management ability of life insurance companies are sought from the macro and micro dimensions, respectively.Based on the time series data and multivariate statistical data, the representative factors are empirically analyzed.A series of problems, from the theoretical point of view to reveal the actual phenomenon, reached meaningful views and conclusions.The main conclusions of this paper are as follows: 1) GDP has the greatest influence on the life insurance company's management ability, and it has the same influence in the short and long term, and the interest rate has the reverse influence on it in the short and long term.Inflation has the same effect in the short term, but uncertain in the long run. The Shanghai Stock Exchange index has a negative impact on it in the short term, and the long-term impact is uncertain.In the longer term, the impact of the first phase of GDP, inflation and Shanghai stock index shocks will gradually disappear, and the company's operating ability will be affected by a new round of shocks.The scale factor has the greatest influence on the business ability of the life insurance company.That is to say, at present our country life insurance company has certain scale effect.
【学位授予单位】：浙江工商大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.3;F224

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