摘要
在产险业全面对外开放以及全球金融危机的双重压力下,我国产险市场正面临着如何提升效率、维持竞争力的严峻考验。本文根据2004年～2009年20家中国内外资产险公司的非平衡面板数据,利用三阶段DEA模型分析我国产险市场的技术效率、纯技术效率和规模效率的演进趋势。实证结果显示,中资产险公司的规模效率高于外资合资公司,但在纯技术效率上要低于外资公司。外资公司整体效率虽然较低,但是在管理决策上效率相对较高,规模无效率是制约其发展的主要因素。整体而言,中国产险市场技术效率、纯技术效率和规模效率仍处于比较低的水平。从影响产险公司效率的环境因素来看,市场份额对产险公司的各项效率都有显著的负向影响,而分公司数对产险公司效率有正向的影响。通过一阶段DEA效率值和三阶段DEA效率值的比较,发现中国保险行业的宏观环境、微观环境因素对产险公司的经营来说还没有起到足够的正面推动作用,环境的波动性在一定程度上限制了产险公司效率的提升。
Under the dual pressures of full opening-up of property insurance market and global financial crisis, the property insurance industry in China is facing with the challenges of how to enhance efficiency and maintain core competitiveness. Based on the unbalance panel data of 20 domestic and foreign-invested property insurance compa- nies from 2004 to 2009, this paper applied the three-stage DEA model to analyze the evolution of technical efficien- cy, pure technical efficiency and scale efficiency of the P＆C market in China. The study showed that domestic com- panies had higher scale efficiency than foreign-invested companies, but their pure technical efficiency was lower than their foreign counterparts. Foreign-invested insurers＇ overall efficiency was comparatively how, but their man- agement efficiency was relatively higher. Their lack of scale efficiency was the main factor thwarting their develop- ment. Holistically speaking,the technical efficiency ,pure technical efficiency and scale efficiency in China＇s proper- ty insurance industry were quite low. From the perspective of environment factors, market share had negative impacts on all types of efficiency data while the number of branch had positive impacts on them. Comparing one-stage DEA efficiency and three-stage data,the paper pointed out that the macro and micro factors hadn＇t so far positively pro- moted the performance of property insurance industry and these environment factors＇ volatility impeded the efficiency improvement to some extent.
出处
《保险研究》
CSSCI
北大核心
2012年第5期23-35,共13页
Insurance Studies
基金
国家社会科学基金(编号:09BJL024)
重庆市自然科学基金(编号:2009BB2042)资助
关键词
市场效率
保险行业
DEA模型
财产保险
market efficiency
insurance industry
DEA Model
property insurance
