我国寿险公司经营绩效的有效性研究

发布时间：2018-04-25 14:16

本文选题：人寿保险 + 经营效率　；参考：《金融理论与实践》2016年09期

【摘要】：基于全面风险管理的分析框架,构建了寿险公司经营绩效指标体系,在投入为导向的规模报酬不变的假设下,采用超效率DEA方法,对2008年至2012年间我国人寿保险公司综合经营绩效进行了测度研究和评价。研究发现:整体上,我国人寿保险公司综合经营绩效的平均水平较低,并未达到DEA有效。2012年,在选取的48个样本中,仅15家公司的经营绩效达到DEA有效,但仍存在帕累托改进。在样本期内,我国寿险公司的综合经营绩效波动性较大,缺乏经营绩效的持续性,因而难以获得核心竞争力。研究结论对摸清我国人寿保险市场的发展现状提供了一定的事实依据,也为进一步提升我国人寿保险公司盈利模式的竞争力和促进我国人寿保险市场的发展提供了一定的参考价值。
[Abstract]:Based on the analysis framework of comprehensive risk management, this paper constructs the performance index system of life insurance companies. Under the assumption of constant scale reward, the super-efficiency DEA method is adopted. The comprehensive performance of life insurance companies in China from 2008 to 2012 is studied and evaluated. It is found that the average level of comprehensive operating performance of life insurance companies in China is lower than that of DEA. In 2012, only 15 of the 48 selected samples achieved DEA efficiency, but there is still Pareto improvement. In the sample period, the comprehensive operating performance of life insurance companies in our country fluctuates greatly and lacks the sustainability of operation performance, so it is difficult to obtain the core competitiveness. The conclusion of the study provides a certain factual basis for finding out the current situation of life insurance market in China. It also provides a certain reference value for further improving the profit model competitiveness of life insurance companies in China and promoting the development of life insurance market in China.
【作者单位】：安徽工业大学商学院;
【基金】：国家自然科学基金重大研究计划(91218301);国家自然科学基金面上项目(71171168) 2014年教育部人文社会科学研究西部和边疆地区项目(14XJA790002) 安徽工业大学人才项目(DT16100008)的资助
【分类号】：F842.3;F840.4

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