摘要
交强险是我国第一个强制保险,2012年以来多家中外资产险公司获得了经营资格,但交强险的经营情况并不乐观。本文采用DEA模型测算了2013及2014年49家经营交强险业务的产险公司的经营效率,并采用面板Tobit模型分析了交强险业务规模对产险公司经营效率的影响。结果表明,交强险业务规模对产险公司经营效率具有显著的负向影响,说明产险公司缺乏经营交强险业务的动力。因此,本文建议应当给予经营交强险业务的产险公司更多的政策支持,以提高其经营动力。
Auto Compulsory Insurance is the first compulsory insurance in our country. A number of domestic and foreign--funded property insurance companies obtained the business qualification, while the operation condition is not very well. This paper measures the efficiency of mandatory third--party li- ability auto insurance from 2013 to 2014 by using the DEA model, based on the auditing reports of 49 property insurance companies. And then the influence of the scale of auto compulsory insurance on prop- erty insurance companies＂ efficiency is analyzed by using the panel Tobit model. The results show that the auto compulsory insurance business has a negative impact on its efficiency, which proves that the property insurance companies are in lack of motivation to operate auto compulsory insurance. In conclu- sion, this paper suggests that government should give more policy support to property insurance compa- nies operating auto compulsory insurance in order to improve their motivation.
出处
《保险职业学院学报》
2016年第5期63-67,共5页
Journal of Insurance Professional College
