基于DEA的中外资寿险公司经营效率研究及其影响因素分析

发布时间：2018-06-09 02:17

本文选题：外资寿险公司 + 中资寿险公司　；参考：《西南财经大学》2014年硕士论文

【摘要】：保险行业在恢复之初快速发展,各方面都有很大的提升,保费收入成倍增长,保险公司不断成立,保险密度与深度逐步增长。但在增长与发展的背后保险行业的不足与缺陷却也十分明显,产品结构的单一、赔付服务水平低以及市场主体结构不合理等都是保险行业发展所面临的障碍。为了更好地促进保险市场的发展,提升保险公司的经营水平,引进保险经营水平较高的外资保险公司就势在必行。从1992年开始,外资寿险公司进入中国市场已有二十余年的时间。外资寿险公司的进入确实对寿险市场起到了积极的作用,保险营销员制度的引进、新型寿险产品的推广以及市场主体的丰富都有外资寿险公司的贡献。然而一直被认为是经营水平较高的外资寿险公司在中国市场的发展并不顺利,市场份额依然在5%左右徘徊,公司盈利能力较差。中资寿险公司虽然盈利能力较强,规模较大,但是盲目地扩张导致效率的缺失。提高公司经营效率,合理利用和分配资源是寿险公司提升竞争力的关键,也是在市场中取得良好发展的必备条件。研究外资寿险公司与中资寿险公司的效率水平,从公司效率的角度分析寿险公司经营水平的优劣,找出经营过程中存在的问题就具有一定的现实意义。本文从效率角度出发,采用DEA方法对中外资寿险公司效率进行评价,从三种效率层面进行测算,并依据结果找出中外资寿险公司的效率特征。再对寿险公司微观层面的分析对影响效率因素作出假设,结合效率测算结果,运用Tobit模型找出影响寿险公司效率的因素。最终根据中外资寿险公司的效率特征以及影响效率的因素对其效率方面存在问题提出策略与建议。本文一共分为六章,各章的基本内容分别为：第一章：阐述文章的研究背景与意义、国内外文献综述与研究方法等问题。第二章：对寿险公司的发展状况进行介绍,从寿险行业的基本状况、保险行业开放历程和外资寿险公司的发展现状三个方面进行介绍。第三章：对效率的概念进行界定,并对效率进行分类,区分技术效率、纯技术效率以及规模效率。对DEA方法进行介绍,阐述DEA方法运行的原理,并通过对CCR模型与BCC模型的差异的介绍阐述三种效率的测算方法。第四章：运用DEA模型测算中外资寿险公司三个效率层面——总技术效率、纯技术效率及规模效率的水平,并通过测算结果分析各主体各效率层次的特征,找出公司在效率上存在的问题,研究发现中资寿险公司技术效率水平高于外资寿险公司,且效率稳定性要强于外资寿险公司。金融危机对寿险公司效率影响十分明显。第五章：经过分析找出可能影响效率的因素并提出假设,并利用效率分析的结果运用Tobit模型找出影响效率的因素,研究发现总资产、营业费用率、人均保费收入、总资产利润率等因素均对寿险公司效率存在影响。第六章：根据前两章所得出的研究结论,利用中外资寿险公司效率的特征将寿险公司分为三类,分别是大型中资寿险公司、中小中资寿险公司以及外资寿险公司,结合影响效率的因素,对不同类型的寿险公司所要采取的改善效率的策略分别进行阐述,对中外资寿险公司经营策略方面提出合理化的建议。本文的主要创新： 1.本文在对中外资寿险公司效率的研究,不仅仅通过DEA模型对中外资寿险公司的效率水平进行分析,还通过对效率的影响因素进行分析,让中外资寿险公司针对自身情况找出提高效率的具体方法与途径。为了更好地体现中外资寿险公司效率的变化,在研究时间上选取2005至2012年,既体现出效率波动性的特征,也可以看出金融危机对寿险公司效率影响明显。 2.在对中外资寿险公司效率进行分析时,根据效率特征的不同将寿险公司分为三类,并根据各自的特征结合影响因素分别对其提出效率改善的合理建议,使得建议更加符合寿险公司自身特点。本文的不足： 1.本文由于部分资料取得困难,使某些投入产出变量以其他相关数据替代,若能采集到更为精确的数据进行效率评估,相信更能增加研究的解释能力及参考价值。 2.本文对于无法量化而可能影响产险公司效率的相关变量,如公司人员素质、市场导向、承保政策及保险监管对于外资寿险公司限制方面等,限于研究的重点和问题的集中性,它们并未列入本文研究范围。
[Abstract]:In order to promote the development of insurance market and raise the operating level of insurance companies , it is imperative to introduce foreign insurance companies with higher insurance operating levels .

Since 1992 , foreign - funded life insurance companies have entered the Chinese market for more than 20 years . The entry of foreign - funded life insurance companies does play an active role in the life insurance market . However , the company has been considered to be the key to the development of life insurance companies in China . However , the company has been considered to be the key to improve the competitiveness of life insurance companies .

From the point of view of efficiency , this paper evaluates the efficiency of China ' s foreign - funded life insurance companies by DEA method , and finds out the efficiency characteristics of the foreign - funded life insurance companies from three levels of efficiency . Based on the analysis of the micro - level of life insurance companies , the factors that affect the efficiency of life insurance companies are found . Finally , according to the efficiency characteristics of the foreign - funded life insurance companies and the factors influencing efficiency , the strategies and suggestions are put forward .

In chapter 3 , the paper introduces the development of life insurance companies , classifies the efficiency of life insurance companies , compares the efficiency of insurance industry and the development of foreign capital life insurance companies .

The main innovations of this paper are as follows :

1 . The research on the efficiency of foreign - funded life insurance companies in China is not only analyzed by DEA model , but also through the analysis of the influencing factors of efficiency . In order to better reflect the change of efficiency of foreign - funded life insurance companies , the paper selects 2005 - 2012 to reflect the characteristics of efficiency volatility , and also shows that the financial crisis has obvious effect on life insurance companies ' efficiency .

2 . In the analysis of the efficiency of the life insurance companies in China , the life insurance companies are divided into three categories according to the efficiency characteristics , and the reasonable suggestions for improving the efficiency of the life insurance companies are put forward according to the characteristics of the characteristics , so that the proposal is more consistent with the characteristics of the life insurance companies .

The deficiencies of this article :

1 . In this paper , some input - output variables can be replaced by other relevant data because some data is difficult to obtain . If more accurate data can be collected for efficiency evaluation , it is believed that the interpretation ability and reference value of the research can be increased .

2 . In this paper , we can not quantify the relevant variables which may affect the efficiency of the production companies , such as the company ' s personnel quality , the market orientation , the underwriting policy and the insurance supervision , which are limited by the foreign capital life insurance companies , but are limited to the focus of the research and the concentration of the problems . They are not included in the scope of the study .
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F841.3;F840.4;F224

【参考文献】