摘要
首先,基于自2006年7月1日起开始承办交强险的24家保险公司的31个省份数据,采用数据包络分析,分别测算了2008~2012年间各省份交强险经营的企业效率和社会效率,并通过排名差进行比较分析,结果表明各省份的企业效率和社会效率存在明显差异;其次,运用Tobit模型对影响交强险经营效率的因素进行回归分析,回归结果表明城镇化率对交强险的企业效率具有显著正影响,地区面积对交强险的企业效率具有显著负影响,上一年城镇家庭人均可支配收入对企业效率影响为正,对社会效率影响为负,上一年农村家庭人均纯收入对企业效率和社会效率均有促进作用。
This paper measured and ranked the enterprise and social efficiency of China auto compulsory insurance from 2008 to 2012 in 31 districts by using the DEA model, based on the data of 24 companies which started to operate this business from July1,2006. The study found that the enterprise and social efficiency in different provinces was very different. Then we used the Tobit model to figure out the factors affecting the efficiency, and the results showed that urbanization rate had a significantly positive effect on enterprise efficiency, the regional area had a significantly negative influence on the enterprise efficiency, and per capita disposable income (PCDI) of urban families in the previous year had a positive effect on enterprise efficiency, but a negative effect on social efficiency. The PCDI of rural families in the previous year played a positive role to both enterprise and social efficiency.
出处
《保险研究》
CSSCI
北大核心
2015年第1期29-41,共13页
Insurance Studies
关键词
交强险
数据包络分析
企业角度
社会角度
auto compulsory insurance
DEA
corporate perspective
social perspective