摘要
从人身保险市场传统评估指标测算基准的局限性出发,以人身保险需求为测算基准来定义人身保险市场效率,并在充分考虑中国各地区间人身保险需求结构异质性的基础上,基于2000～2011年中国30个省、自治区和直辖市的面板数据,应用随机前沿模型测算了样本地区的人身保险市场效率。研究发现:(1)中国人身保险存在着异质性的需求结构;(2)从整体上看,中国人身保险市场效率呈螺旋式提高且在省际间有不断收敛的趋势;(3)中国六大区域人身保险的市场效率差距并不大,且市场效率并不随着经济发展水平的提高而提高;(4)基于市场效率的人身保险市场地区排名与传统指标(包括保费收入、保险密度及保险深度)排名有较大的差异。
In order to avoid the disadvantages of traditional indicators for assessing the life insurance markets, this paper introduced the market efficiency as the assessment indicator. With full consideration of the heterogeneous de mand structures across China,we chose a stochastic frontier model to calculate the life insurance market efficiency of 30 panel provinces across China over the period of 2000 to 2011 and arrived at some conclusions. Firstly, the het erogeneity of demand structures across China was remarkable. Secondly, the market efficiency spiraled upwards with a convergence trend across the sample panels. Thirdly, there was no significant correlation between the market effi ciency and economic development level in China and the six regions didn＇ t show a significant difference in market efficiem：y. Finally, the rankings based on market efficiency were obviously different from the rankings based on tra ditional indicators such as premium income, insurance density, as well as insurance penetration in life insurance market across China.
出处
《保险研究》
CSSCI
北大核心
2013年第11期50-60,共11页
Insurance Studies
基金
2012年度"中国保险学会教保人身保险高校课题研究基金"的项目(编号:jiaobao2012-01)资金资助
关键词
市场效率
人身保险需求
随机前沿分析
market efficiency
demand of life insurance
Stochastic Frontier approach
