知识资本对我国寿险企业经营效率影响的实证研究

发布时间：2018-05-04 19:47

本文选题：中国寿险业 + 知识资本　；参考：《西北大学》2014年硕士论文

【摘要】：现代社会,知识资本越来越被保险等金融企业界高度关注,知识已经成为提升企业竞争力的主要驱动力。中国寿险业经过三十余年的发展,服务领域广泛,市场规模庞大。然而,目前面对国际金融市场的激烈竞争,我国寿险行业的创新能力不足,效率低下,面临如何进行产品创新和服务创新,如何通过混业经营、资产证券化进行产业转型升级、提高国际市场竞争力的困境。而知识资本是核心关键因素。因此,定性、定量分析知识资本与我国寿险业经营效率关系问题,找出关键影响因素,这在理论与实践方面均有重要意义。本论文从理论与实证两个方面系统分析中国寿险企业的知识资本与经营效率之间的影响关系,进而分析影响技术效率的主要因素,给出政策选择。文章主要采用规范分析与实证分析、定性定量分析相结合的研究方法。首先,系统梳理了国内外相关文献,综述了知识资本的内涵、知识资本与保险企业经营效率关系的一般理论、影响机理及作用途径。其次,构建模型,选取样本数据,实证分析中国保险市场上知识资本对寿险企业经营效率的影响。我们采用两阶段研究方法,第一阶段采用动态DEA模型(DSBM模型)分析中国保险市场上30家寿险企业2006-2010年经营效率的变动情况,第二阶段采用截断回归模型检验知识资本对中国寿险企业经营效率的影响。本论文的主要研究结论包括：(1)2006-2010年间,中国寿险业平均效率值相对保持稳定,在动态DEA模型(DSBM模型)下得出的平均效率分值介于0.905和0.973之间,中资寿险企业的平均效率分值高于外资寿险企业。(2)人力资本、结构资本与物质资本均与中国寿险企业经营效率正相关；人力资本对中国寿险企业经营效率影响最大；结构资本与寿险企业经营效率正相关,但是不显著。我们还验证了动态DEA模型计与传统DEA模型分别计算得出的效率值之间有显著的差别,动态DEA模型更加符合寿险公司经营的现实情况。基于中国寿险业知识资本现状,本文给出相关政策选择：寿险企业应该加强对人力资本、结构资本的投资与管理,创新人才发展战略,优化内部管理制度,通过改善知识资本的管理来提升自身的竞争力。
[Abstract]:In modern society, knowledge capital has been paid more and more attention by financial enterprises, such as insurance, and knowledge has become the main driving force to enhance the competitiveness of enterprises. China's life insurance industry after more than 30 years of development, a wide range of services, market scale. However, facing the fierce competition in the international financial market, the life insurance industry of our country has insufficient innovation ability, low efficiency, how to carry out product innovation and service innovation, how to carry out industrial transformation and upgrading through mixed operation and asset securitization. The dilemma of improving the competitiveness of the international market. Knowledge capital is the key factor. Therefore, qualitative and quantitative analysis of the relationship between knowledge capital and the operation efficiency of life insurance industry in China, find out the key factors, which is of great significance in both theory and practice. This paper systematically analyzes the relationship between knowledge capital and operation efficiency of Chinese life insurance enterprises from two aspects of theory and demonstration, and then analyzes the main factors that affect the technical efficiency, and gives the policy choice. This paper mainly adopts normative analysis and empirical analysis, qualitative and quantitative analysis of the combination of research methods. First of all, it systematically combs the related literature at home and abroad, summarizes the connotation of the knowledge capital, the general theory of the relationship between the knowledge capital and the operation efficiency of the insurance enterprise, the influence mechanism and the action way. Secondly, this paper constructs the model, selects the sample data, and empirically analyzes the influence of the knowledge capital on the operation efficiency of the life insurance enterprises in China's insurance market. In the first stage, the dynamic DEA model is used to analyze the change of operating efficiency of 30 life insurance enterprises in China from 2006 to 2010. In the second stage, the truncated regression model is used to test the influence of knowledge capital on the operation efficiency of Chinese life insurance enterprises. The main conclusions of this paper are as follows: from 2006 to 2010, the average efficiency of life insurance industry in China remained relatively stable, and the average efficiency score was between 0.905 and 0.973 under the dynamic DEA model. The average efficiency score of the Chinese life insurance enterprises is higher than that of the foreign-funded life insurance enterprises, and the structure capital and the material capital are both positively related to the operation efficiency of the Chinese life insurance enterprises, and the human capital has the greatest influence on the operation efficiency of the Chinese life insurance enterprises. The structural capital is positively related to the operation efficiency of life insurance enterprises, but it is not significant. We also verify that there is a significant difference between the calculated efficiency values of dynamic DEA model and traditional DEA model, and the dynamic DEA model is more in line with the reality of life insurance company management. Based on the current situation of knowledge capital in life insurance industry in China, this paper gives some policy choices: life insurance enterprises should strengthen investment and management of human capital and structural capital, innovate talent development strategy, and optimize internal management system. Improve the management of knowledge capital to enhance their competitiveness.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3

【参考文献】