基于三阶段DEA对于我国保险公司集团化效率测度研究

发布时间：2018-05-28 23:07

本文选题：金融集团 + 保险公司集团化　；参考：《中国海洋大学》2014年硕士论文

【摘要】：随着国际经济的发展，世界金融业也逐渐呈现出的全球化的发展趋势，不同的金融行业之间存在多业务的交叉经营，金融业分业经营的格局逐渐被打破，混业经营成为了全球金融业发展的主流趋势。同时各国纷纷放松对混业经营的管制，金融机构通过彼此的合并与收购，组建大型金融集团，以应对金融全球化的激烈竞争。保险业作为金融业必不可少的组成部分，，也面受到了集团化趋势的影响。从目前国际保险业的发展来看，全球排名前十的保险公司均是大型保险集团，此类大型保险集团多采用多元化经营，旗下拥有财险、寿险以及各类保险以及金融业务。入世后的中国保险公司在全面开放的市场环境中，面临着来自国际保险集团的巨大竞争压力，此时，组建中国的保险集团来应对挑战，发展中国保险业以成为应时之需。首先，论文对金融集团的概念进行了界定，解释了金融集团和保险集团的关系，认为我国保险公司组建的属于保险集团。进而分析了国际上主要发达国家金融集团的组织架构模式，然后梳理了世界主要国家的金融集团化进程，为中国保险公司的集团化之路提供参考和借鉴。论文在第二章中阐述了保险公司集团化的理论依据，给出了集团化影响保险公司效率的原理。论文在第三章中对比分析了效率研究的主要方法，并选择了三阶段DEA方法作为本文采用的主要方法，即在DEA第二阶段中，通过SFA方法剔除环境因素，使得检测结果更贴合实际情况。然后在第四章实证检测中，论文将中国保险公司分为财产险公司和寿险公司两类，分别研究保险集团公司和专业化保险公司的效率水平，然后在DEA第二阶段中，剔除三种环境变量因素的干扰后，将调整后的投入和原来的产出重新进行效率检测，得到不受环境因素和随机误差干扰的效率值，最后通过保险集团公司和专业性保险公司的效率对比分析，本文得到以下研究结论：第一，通过对我国寿险保险公司的效率检测可以得出，集团化寿险公司的三种都要高于专业性寿险公司。说明在我国保险业寿险行业里，寿险保险公司的集团化进程较为完善，组建保险集团后，集团公司在资源整合、经营管理和风险把控等方面均有较大的提升，将集团化之后的规模经济和范围经济效应得到了体现，同时避免了盲目扩大企业规模的粗犷式集团化发展模式。第二，财产保险公司的效率检测结果表明，集团化财险公司的技术效率同样高于专业性的财险公司，而原因在于集团化财险公司拥有较高的规模效率。在经营能力上，集团化带来的优势并不明显，说明我国的财产保险集团在完成集团化后，需要提高企业的经营管理能力和资源整合能力，注重内控建设和风险管理。论文对我国保险公司集团化的效率研究表明，我国保险集团的发展尚处于初级阶段，保险企业经营管理效率的提升并不明显，但集团化的优势已经初步显现，要在不断提高保险业核心竞争力的基础上稳步推动集团化进程。
[Abstract]:With the development of the international economy, the world financial industry has also gradually presented a trend of globalization. There is a cross operation of multi business between different financial industries. The structure of the division of financial industry is gradually broken. The mixed operation has become the mainstream trend of the global financial industry. At the same time, various countries have relaxed the control of the mixed operation. Through the merger and acquisition of each other, financial institutions set up large financial groups to cope with the fierce competition in financial globalization. As an indispensable part of the financial industry, the insurance industry is also affected by the trend of the group. From the current development of the international insurance industry, the top ten insurance companies in the whole ball are large insurance groups. This kind of large insurance group is diversified, with financial insurance, life insurance and all kinds of insurance and financial services. After China's entry into the WTO, Chinese insurance companies are facing huge pressure from international insurance groups in the open market environment. At this time, China's insurance group should be formed to cope with the challenges and develop China Insurance. Industry is the need of time.
First, the paper defines the concept of the financial group, explains the relationship between the financial group and the insurance group, and thinks that the insurance companies of our country belong to the insurance group. Then the organizational structure of the financial groups in the major developed countries is analyzed, and then the financial collectivization process of the main countries of the world is combed, and the insurance group is guaranteed for China. In the second chapter, the paper expounds the theoretical basis of the group of insurance companies and gives the principle of the efficiency of the group that affects the efficiency of the insurance company. The paper compares and analyzes the main methods of efficiency research in the third chapter, and chooses the three stage DEA method as the main method adopted in this paper, that is, In the second stage of the DEA, the environmental factors are eliminated by the SFA method, and the results are more appropriate to the actual situation. Then in the fourth chapter, the paper divides the Chinese insurance companies into two categories of property insurance companies and life insurance companies, respectively, to study the efficiency level of insurance companies and professional insurance companies respectively, and then in the second stage of DEA, After eliminating the interference of three factors of environmental variables, the efficiency of the adjusted input and the original output is re tested to get the efficiency value without the environmental factors and random errors. Finally, the following conclusions are obtained through the comparison and analysis of the efficiency of the insurance company and the professional insurance company.
First, through the detection of the efficiency of China's life insurance companies, three kinds of life insurance companies are higher than the professional life insurance companies. It shows that in the insurance industry of China, the group process of life insurance companies is more perfect. After the formation of insurance groups, the group company is in the integration of resources, management and risk control. There is a great improvement in the other aspects, the scale economy and the scope economic effect after the group are reflected, at the same time, it avoids the rough group development model that blindly enlarging the scale of the enterprise.
Second, the result of the efficiency test of the property insurance company shows that the technical efficiency of the group financial insurance company is also higher than that of the specialized financial insurance company. The reason is that the group has a higher scale efficiency. In the management ability, the advantage of the group is not obvious, which indicates that the property insurance group in our country has completed the grouping. After that, it is necessary to improve the management and resource integration ability of enterprises, and pay attention to internal control construction and risk management.
The study of the efficiency of the group of insurance companies in China shows that the development of our insurance group is still in the primary stage, and the improvement of the efficiency of the management and management of the insurance enterprises is not obvious, but the advantages of the group have already been preliminarily shown, and the process of the group should be steadily promoted on the basis of improving the core competitiveness of the insurance industry.
【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3;F224

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