摘要
本文基于样本财产保险公司2005年2011年的经营数据,运用三阶段DEA方法对公司的技术效率进行了实证研究,与传统的效率测度方法相比,剔除了环境因素和随机因素对效率评价的影响,有效避免了模型设定误差,所得效率值可以更准确地体现公司的经营管理水平。进一步,本文还分析了财产保险公司技术效率的影响因素,得出我国财产保险公司平均技术效率水平不高,公司间效率差异性较大;机动车辆保险保费占比和营销费用占比对公司效率有显著的负向影响,人力资本状况、公司组织形式、投资模式对公司效率有正向的影响等一系列结论。
Based on the operating data of the sample property-casualty insurance companies from 2005 to 2011, empirical study is conducted on the technical efficiency of each company by using three-stage DEA approach. Compared with traditional measurement methods, the exclusion of environmental factors and random factors on the efficiency evaluation is effectively avoiding the model specification errors such that the obtained efficiency values can more accurately reflect the company＇s operating management level. Further, the paper also analyzes the influencing factors of technical efficiency of property-casualty insurance companies. The empirical results show that, in average, the technical efficiency of all property- casualty insurance companies is not high, and there exists larger difference between the efficiency of different companies; and the proportion of premiums and marketing expenses of motor vehicle insurance have a significant negative impact on the technical efficiency while human capital, organizational forms and the company＇s investment model is just the opposite.
出处
《数理统计与管理》
CSSCI
北大核心
2014年第4期691-704,共14页
Journal of Applied Statistics and Management
基金
中国人民大学科研基金(中央高校基本科研业务费专项资金资助)项目成果(14XNHO03)
关键词
财产保险公司
技术效率
三阶段DEA方法
影响因素
property-casualty insurance company, technical efficiency, three-stage DEA method, influencing factors
