我国人身保险公司成本效率及其影响因素的实证分析

发布时间：2018-06-16 06:26

本文选题：人身保险 + 成本效率　；参考：《华中师范大学》2014年硕士论文

【摘要】：人身保险作为市场经济条件下的产业,具有重要功能,是社会经济的稳定器和助推器。近年来我国人身保险市场突破重重难关,获得了突飞猛进的发展,但就其发挥的社会作用来看,并不是所有的增长都转化成了有效的产出。近年来我国人身保险业的发展遭遇瓶颈,究其原因：一方面是行业本身的产品竞争力不强,同质化普遍,保障功能未得到充分发挥,另一方面保险企业忽略了服务创新和效率提升,导致消费者的需求得不到满足,造成资源浪费。因此,在国门不断开放的经济环境下,如何提升我国人身保险公司的效率是亟待解决的问题。效率是西方经济学研究的范畴,也是当前我国人身保险市场应予以重视的核心竞争力。本文结合国内外研究成果,运用SFA的方法对2007-2012年间我国24家具有代表性的人身保险公司的成本效率及其影响因素进行估算分析,实证结果反映了各公司现阶段的成本效率水平及各因素对成本效率的影响,揭示了中外资人身保险成本效率的差异及其深层原因,本文最后给出了研究展望,实证结果如下： (一)从整体趋势看,我国人身保险公司的成本效率水平呈稳步上升趋势,成本控制机制不断得到完善。 (二)中资人身保险公司的发展速度慢于外资人身保险公司。随着国内市场的逐步开放,实力雄厚的外资公司在国内快速发展,而且超过中资公司的发展速度。 (三)赔付支出、投资收益、营业投入价格和资本投入价格等指标与成本效率存在正向关系,要素价格对成本效率影响相对而言较大；GDP增长率、风险管理能力和员工受教育程度等指标的估计系数为正,但是系数值都比较小。我国人身保险公司主要采用粗放式经营,这一时期效率的提高很难用员工教育水平和风险管控能力得到很好的解释。由于我国保险业总量占国民经济比重较小,远低于欧美成熟的保险市场发展水平,所以GDP的变化对保险业的快速发展没有显著的影响。
[Abstract]:As an industry under market economy, personal insurance has important function and is the stabilizer and booster of social economy. In recent years, the life insurance market of our country has broken through many difficulties and obtained the development by leaps and bounds, but in terms of its social function, not all the growth has been transformed into effective output. In recent years, the development of the personal insurance industry in China has encountered bottlenecks. On the one hand, the product competitiveness of the industry itself is not strong, homogenization is widespread, and the function of protection is not fully brought into play. On the other hand, insurance enterprises ignore service innovation and efficiency improvement, resulting in unsatisfied consumer demand, resulting in waste of resources. Therefore, in the economic environment, how to improve the efficiency of life insurance companies is an urgent problem to be solved. Efficiency is not only the category of western economics, but also the core competitiveness of our country's personal insurance market. Combined with domestic and foreign research results, this paper uses SFA method to estimate and analyze the cost efficiency and influencing factors of 24 representative personal insurance companies in China from 2007 to 2012. The empirical results reflect the current level of cost efficiency of companies and the influence of various factors on cost efficiency, and reveal the difference of cost efficiency of life insurance between China and foreign countries and its deep reasons. Finally, this paper gives the research prospect. The empirical results are as follows: (1) from the overall trend, the cost efficiency level of life insurance companies in China is rising steadily, and the cost control mechanism has been continuously improved. (2) the development of Chinese-funded personal insurance companies is slower than that of foreign-funded personal insurance companies. With the gradual opening of the domestic market, strong foreign companies in the rapid development of domestic, and faster than the development of Chinese companies. (3) there is a positive relationship between the cost efficiency and the cost efficiency, such as compensation payment, investment income, operating input price and capital input price, and the factor price has a relatively large effect on cost efficiency and GDP growth rate. The estimated coefficient of risk management ability and employee's education level is positive, but the coefficient value is small. The personal insurance companies in our country mainly adopt extensive management. The improvement of efficiency in this period is difficult to be explained by the level of staff education and the ability of risk control. Since the total amount of insurance industry in China accounts for a small proportion of the national economy and is far lower than the level of development of the mature insurance market in Europe and the United States, the change of GDP has no significant impact on the rapid development of the insurance industry.
【学位授予单位】：华中师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3

【参考文献】