我国财产保险公司经营效率评价

发布时间：2018-06-03 12:48

本文选题：财产保险 + 数据包络分析法　；参考：《吉林财经大学》2015年硕士论文

【摘要】：在经济学领域中,效率的评价通常用于资源配置的合理调整过程中。可以从多个方面和角度研究效率,诸如产出占投入的比重、流动资产周转率、短期偿债能力比率、资产负债率等指标,都是反映企业经营效率和承担风险能力的评价指标。本文分析的问题是基于财产保险公司的经营效率评价研究。随着对外开放的程度不断深化,外国财产保险公司不断进入中国市场,外资公司设计的保险产品,风险管理,理赔服务,和其他方面都处于领先水平,这给中国财产保险公司在市场竞争过程中带来巨大压力。因此,研究中国境内经营的财产保险公司经营效率的现状,分析其经营效率的发展现状,并对其进行评价,对财产保险公司的经营和金融业的发展具有重要作用。运用数据包络分析方法、因子分析法和灰色关联度分析法三种方法对国内具有代表性的14家财产保险公司从经营效率、综合实力和关于保险公司的市场认可度三个角度进行评价分析。本文的分析数据来源于国泰安中文数据库,从中国保险行业中选取14家财险公司作为样本,截取了2006-2012年的数据展开实证分析。运用数据包络分析法,测量2006-2012年,14家财产保险公司的技术效率、纯技术效率和规模效率。研究结果表明,我国保险业在提升技术效率方面,存在很大的空间,效率不高主要由管理不到位导致,风险管理技术和中国保险业的利润水平正不断进步和发展,技术进步和全要素生产力对于财产保险公司的效率提升具有重要拉动作用。运用因子分析方法,从偿债能力,发展经营,盈利能力三个方面,对财产保险公司的综合实力进行分析,根据因子得分分析影响综合实力高低水平的因素。经分析发现保险公司偿付能力,经营发展空间,净资产率等三方面是影响保险公司综合实力的主要因素。运用灰色关联分析法,定量评价保险公司的市场认可度,用于帮助被保险人在选择保险公司时做出最优决策,分析比较不同保险公司之间的差异,便于被保险人合理规避风险,因此该分析方法的应用具有现实意义。被保险人作为保险的直接受众群体,保险公司的服务质量及经营效率将直接关乎保险生效期内对于被保险人风险的承担。被保险人在进行投保初期,将在众多保险公司中进行选择。经过对企业经营效率评价方法、财产保险公司的行业特点、当前国内外相关理论研究现状等三方面内容的梳理,结合实证分析,发现我国财产保险行业经营面临的主要问题,并给出相应的政策建议和解决思路,希望能对我国财产保险业经营效率的提升有所帮助。
[Abstract]:In the field of economics, the evaluation of efficiency is usually used in the process of rational adjustment of resource allocation. Efficiency can be studied from many aspects and angles, such as the proportion of output to input, turnover of current assets, short-term solvency ratio, asset-liability ratio and so on. This article analyzes the problem is based on the property insurance company management efficiency appraisal research. With the deepening of the opening to the outside world, foreign property insurance companies continue to enter the Chinese market. The insurance products designed by foreign companies, risk management, claim settlement services, and other areas are in the leading position. This brings great pressure to Chinese property insurance companies in the process of market competition. Therefore, it is very important for the management of property insurance companies and the development of financial industry to study the present operating efficiency of the property insurance companies in China, analyze the present situation of the development of the property insurance companies' operating efficiency, and evaluate the development of the property insurance companies. Three methods, data envelopment analysis, factor analysis and grey correlation analysis, are applied to 14 representative property insurance companies in China. Comprehensive strength and about the insurance company's market acceptance three angles to carry on the appraisal analysis. The analysis data of this paper come from Cathay Tai'an Chinese database, select 14 financial insurance companies from the insurance industry of China as a sample, and intercept the data from 2006 to 2012 to carry out empirical analysis. The technical efficiency, pure technical efficiency and scale efficiency of 14 property insurance companies from 2006 to 2012 were measured by means of data envelopment analysis. The results show that there is a lot of space in improving the technical efficiency of the insurance industry in our country. The low efficiency is mainly caused by the lack of management. The risk management technology and the profit level of the insurance industry in China are progressing and developing constantly. Technological progress and total factor productivity play an important role in promoting the efficiency of property insurance companies. This paper analyzes the comprehensive strength of the property insurance company from three aspects of debt paying ability, development management and profit ability, and analyzes the factors that influence the level of the comprehensive strength according to the factor score. It is found that the solvency, business development space and net asset ratio of insurance companies are the main factors affecting the comprehensive strength of insurance companies. The grey relational analysis method is used to quantitatively evaluate the market acceptance of insurance companies. It is used to help the insured to make the optimal decision when selecting insurance companies, to analyze and compare the differences between different insurance companies, and to facilitate the insured to avoid risks reasonably. Therefore, the application of this analysis method has practical significance. As the direct audience of insurance, the service quality and operating efficiency of the insurance company will directly relate to the risk bearing of the insured during the effective period of insurance. The insured will choose among many insurance companies at the initial stage of insurance coverage. After combing the evaluation methods of enterprise management efficiency, the industry characteristics of property insurance companies and the current situation of relevant theoretical research at home and abroad, combined with empirical analysis, we find the main problems facing the property insurance industry in China. The corresponding policy suggestions and solutions are given in the hope of improving the efficiency of the property insurance industry in China.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F224;F842.3;F840.4

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