黑龙江省财产保险公司经营效率分析

发布时间：2018-06-17 18:42

本文选题：黑龙江省财产保险 + 经营效率　；参考：《东北农业大学》2014年硕士论文

【摘要】：黑龙江省近年来致力于完善保险市场体系,整顿保险市场秩序。省内保险行业的增速一直领先于GDP发展水平,二者之间正相关性明显。因此,随着结构的进一步优化调整,经济的持续发展,需求主体的收入增加,财产保险行业的发展前景十分可观。根据2013年3月7日黑龙江省保监局公布的数据,2012年黑龙江省保险行业总保费收入344.15亿元,同比增长8.3%,其中财产保险业务收入101.18亿元,相比去年有较大幅度的增长,比例为17.58%；保险公司总资产939.94亿元,较年初增加138.06亿元,黑龙江省财产保险业务收入占保险业总收入的29.4%,在同类保险中增幅最大,高于人身险4.85%的增长率。2013年黑龙江省保监局出台《黑龙江保监局关于规范发展黑龙江保险业的意见》(黑保监发[2013)35号),坚持“抓服务、严监管、防风险、促发展”的总体要求。黑龙江财产保险行业保持了连续多年迅猛发展的势头,但是由于近年来连续爆发的保险业内部经营、理赔及诚信方面的负面新闻,反映出了黑龙江省财产保险公司经营存在的许多问题,调查结果表明,财产保险公司的内部经营存在的缺陷是导致公司经营效率低下,经营失败的重要原因。本文立足于黑龙江省经济形势及保险行业发展大局,通过分析财产保险公司经营的基本理论及重要意义,结合黑龙江省财产保险公司经营现存的问题,在搜集整合相关数据的基础上,选择DEA模型对黑龙江省各财产保险公司的经营效率进行实证分析及回归分析,得出黑龙江省财产保险公司经营效率的制约因素,主要是外部宏观因素,行业因素,公司自身因素。最后提出完善黑龙江省财产保险公司经营效率的对策建议,包括优化险种结构,创新营销渠道,加快新产品开发,完善服务能力,加强内部管理。最终目的是促进黑龙江省财产保险公司完善治理结构和改善经营管理,提高经济效益。由于黑龙江省各财产保险公司的相关数据公开情况的差异,本文只整合到2008年至2012年具有代表性的十家财产保险公司的数据,在日后的研究中会进一步完善。
[Abstract]:Heilongjiang province in recent years devotes to consummate insurance market system, rectifies insurance market order. The insurance industry in the province has been ahead of GDP growth level, the positive correlation between the two. Therefore, with the further optimization and adjustment of the structure, the sustained development of the economy, the increase of the income of the main body of demand, the development prospect of the property insurance industry is very considerable. According to the data released by Heilongjiang Provincial Insurance Bureau on March 7, 2013, the total premium income of Heilongjiang insurance industry in 2012 was 34.415 billion yuan, up 8.3 percent from the same period last year, in which property insurance business income increased by 10.118 billion yuan, which was a relatively large increase compared with last year, and the proportion was 17.58; The total assets of insurance companies are 93.994 billion yuan, an increase of 13.806 billion yuan over the beginning of the year. Heilongjiang Province's property insurance business income accounts for 29.4% of the total income of the insurance industry, the largest increase in the same kind of insurance. In 2013, Heilongjiang Insurance Bureau issued "opinions on the Standardization and Development of Heilongjiang Insurance Industry" (Black Insurance Bureau [2013] 35), insisting on the overall requirements of "grasping service, strict supervision, preventing risks and promoting development". The property insurance industry in Heilongjiang has maintained the momentum of rapid development for many years in a row. However, due to the continuous outbreak of negative news on the internal management, claims and integrity of the insurance industry in recent years, The investigation results show that the defects in the internal management of the property insurance company are the important reasons for the inefficiency and failure of the management of the property insurance company in Heilongjiang Province. Based on the economic situation of Heilongjiang Province and the overall situation of the development of insurance industry, this paper analyzes the basic theory and significance of property insurance company management, combined with the existing problems of property insurance company management in Heilongjiang Province. On the basis of collecting and integrating relevant data, this paper chooses DEA model to carry on the empirical analysis and regression analysis to the management efficiency of the property insurance companies in Heilongjiang Province, and draws the restrictive factors of the management efficiency of the property insurance companies in Heilongjiang Province. Mainly external macro factors, industry factors, the company's own factors. Finally, the author puts forward some countermeasures and suggestions to improve the management efficiency of Heilongjiang property Insurance Company, including optimizing the insurance structure, innovating marketing channels, speeding up the development of new products, perfecting service capacity, and strengthening internal management. The ultimate aim is to promote the property insurance company in Heilongjiang Province to improve the management structure and management, and to improve economic efficiency. Due to the differences in the disclosure of the relevant data of various property insurance companies in Heilongjiang Province, this paper only integrates the data of 10 representative property insurance companies from 2008 to 2012, and will be further improved in the future research.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3;F271;F840.4

【共引文献】