中国保险业投资效率及影响因素的研究

发布时间：2018-06-12 06:23

本文选题：保险资金 + 投资效率　；参考：《辽宁大学》2014年硕士论文

【摘要】：我国保险公司在整个金融行业乃至整个宏观经济中都占有不可替代的作用。在整个金融体系中保险公司的作用是其它金融机构不可替代的，其最主要的作用有分散风险，融通资金和稳定社会等。在改革开放之后我国保险行业得到了迅速的发展，到2012年年末，全年保费收入1.55万亿元，同比增长8%，保险公司资产总额已经达到了创纪录的7.35万亿元，较年初增长22.9%，保险公司赔款与给付4716.3亿元，同比增长20%。在2012年7月21日北京暴雨袭击和“布拉万”台风等重大灾害事故中，保险业较好地发挥了其作用，有效的完成了灾害事故后的赔付工作。尽管如此，我国保险业的经济效益仍然不能让人满意以及对国民经济的贡献也没有达到其该有的水平，主要是因为我国的保险业投资效率相对较低和保险资金运用能力与西方发达国家也不再同一水平，我国的保险资金投资发展相对落后，重视程度不够，所以我国保险产业的竞争力被严重的削弱。长期以来中国保险公司重视速度和规模的快速增长从而忽视了效率的做法对整个保险行业的投资造成很大的负面影响，从而影响了我国保险业的整体收益。提高保险行业的整体收益，不仅要提高平时运营的效率，因为目前运营效率提高具有一定的难度，所以我国逐渐对保险资金的增值收益重视起来，这就要求现在的保险公司要想在竞争过程中立于不败之地，就应该对如何提高保险资金投资效率做足功课。文章第一部分是绪论，概括的介绍了文章的背景和研究过程中所使用的方法；第二部分对保险资金投资运作机理做了系统的阐述；第三部分根据我国保险资金投资效率的现状，对2007年到2012年的25家保险公司运用数据包络方法（DEA方法）对投资效率进行测算。根据测算结果，对我国保险公司投资效率水平进行细致的比较分析；第四部分对影响因素进行回归分析，得到结论。第五部分，，提出几点可能对提高我国保险公司投资效率水平的有益的建议。
[Abstract]:Chinese insurance companies play an irreplaceable role in the whole financial industry and even the whole macro economy. In the whole financial system, the role of insurance companies is irreplaceable by other financial institutions. The main functions of insurance companies include dispersing risks, financing and stabilizing society. After the reform and opening up, the insurance industry in China has developed rapidly. By the end of 2012, the annual premium income was 1.55 trillion yuan, an increase of 8% over the same period last year. The total assets of insurance companies have reached a record 7.35 trillion yuan. Compared with the beginning of the year, the increase of 22. 9%, insurance company compensation and payment of 471.63 billion yuan, year-on-year increase of 20. On July 21, 2012, the insurance industry has played a better role in the heavy rain attack in Beijing and the "Brawan" typhoon and other major disasters, and effectively completed the payment of compensation after the disaster accident. Nevertheless, the economic benefits of the insurance industry in China are still not satisfactory and the contribution to the national economy has not reached its desired level. This is mainly due to the relatively low efficiency of insurance investment in our country and the fact that the ability to use insurance funds is no longer at the same level as that of western developed countries, and the development of insurance funds in our country is relatively backward and the degree of attention is insufficient. Therefore, the competitiveness of China's insurance industry has been seriously weakened. For a long time, the Chinese insurance companies have attached great importance to the rapid growth of the speed and scale, thus neglecting the efficiency of the investment of the entire insurance industry, thus affecting the overall income of the insurance industry in China. To improve the overall income of the insurance industry, we should not only improve the efficiency of ordinary operations, because it is difficult to improve the operational efficiency at present, therefore, our country has gradually attached importance to the value-added income of insurance funds. This requires that if insurance companies want to remain invincible in the process of competition, they should do their homework on how to improve the efficiency of investment in insurance funds. The first part of the article is an introduction. This paper introduces the background of the article and the methods used in the research process; the second part systematically expounds the operation mechanism of insurance fund investment; the third part according to the current situation of the investment efficiency of insurance funds in China. This paper measures the investment efficiency of 25 insurance companies from 2007 to 2012 using DEA method. According to the calculated results, the investment efficiency level of insurance companies in China is compared and analyzed in detail. The fourth part makes regression analysis on the influencing factors and draws a conclusion. In the fifth part, some useful suggestions are put forward to improve the investment efficiency of Chinese insurance companies.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842;F840.4

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