摘要
选择我国已在境内上市的5家保险企业作为研究对象,将其经营过程中的投入产出效率划分为衡量经济效益的商业效率与衡量社会保障功能的社会效率,并将这些公司2016-2019年的数据运用窗口SBM模型和面板Tobit模型进行分析。结果表明我国上市险企商业效率表现较好但社会效率差距明显,人才储备与投资水平是影响商业效率的因素,而经营费用率则显著影响社会效率。建议坚持“保险姓保”,回归保障本源;加强经营管理,促进高质量发展;紧跟国家政策,融入未来发展格局。
Five Chinese insurance companies that have been listed in China are selected as the research objects,and the input-output efficiency in their operation process is divided into commercial efficiency measuring economic benefits and social efficiency measuring social security function.The window SBM model and panel Tobit model are used to analyze the data of these companies from 2016 to 2019.The results show that the commercial efficiency of listed insurance companies in China has a good performance,but the gap of social efficiency is obvious.The talent reserve and investment level are the factors that affect the commercial efficiency,while the operating expense ratio significantly affects the social efficiency.This paper puts forward the following suggestions:insurance should keep its very purpose of insuring and return to the origin of security,strengthen management and promote high-quality development,and follow the national policies closely and integrate into the nation’s future development.
作者
王道鹏
WAN Daopeng(School of Insurance and Economics,University of International Business and Economics,Beijing 100029,China)
出处
《顺德职业技术学院学报》
2021年第4期15-20,共6页
Journal of Shunde Polytechnic
关键词
保险公司
公司经营
商业效率
社会效率
insurance company
company operation
business efficiency
social efficiency
