中国财产保险公司车险经营绩效研究

A Positivistic Analysis of the Performance of Automobile Insurance in Property Insurance Companies

保险险种的经营绩效是险种综合实力的体现,绩效评估有利于保险公司客观、准确地认识所经营险种的发展。文章利用SAS软件从中国保险行业整体以及各家财产保险个体的角度从规模成长、盈利能力以及发展风险等方面对财产保险公司机动车保险的经营绩效进行了详细的分析。通过研究发现,中国财产保险公司的车险经营状况参差不齐,优势与劣势并存,必须总结经验与教训,努力提高车险业务经营的整体实力,促进中国车险市场蓬勃发展。

The operating achievements of insurances are exhibitions of the insurance＇s overall strength. The achievements＇ evaluation is good for the insurance companies＇ realization of the developments of the insurances. In the light of the whole insurance industry of China and the individual property insurance company, the author endeavors to analyze the operating achievements of China＇ s automobile insurance in the aspects of size pullulation, payoff capability and development risk with SAS. The study reveals that not all the automobile insurance＇ performance of our national property insurance companies is good, both advantages and disadvantages exist at the same time. We need to summarize the successes and failures so as to enhance the overall strength of our national automobile insurance and make our automobile insurance market flourish.