摘要
利用DEA方法考察了1999-2005年间中国11家寿险公司的技术效率、纯技术效率和规模效率的变化情况,通过多元线性回归对影响我国寿险行业经营效率的因素进行了分析。研究表明,中国的寿险行业技术效率普遍不高,低技术效率的原因主要归咎于规模的低效率。其中中资寿险公司在技术效率和规模效率方面要略好于合资公司。回归分析结果显示市场份额对我国寿险业效率的正向影响最大,人力资源水平和资产规模对我国寿险业的效率呈显著的负相关关系,而寿险公司的资本来源结构对效率没有显著影响。
By using DEA method the changes are analyzed in technical efficiency, pure technical efficiency and scale efficiency of 11 life insurance companies in China from 1999 to 2005. Then the factors of influencing the efficiency of life insurance companies are discussed through the multiple regression models. The results indicate that technical efficiency of the life insurance companies is generally low due to the low scale efficiency in China. State-owned companies are better than the joint ones in technical efficiency and scale efficiency. The regression analysis indicates that the market share has the largest positive effects on the efficiency of life insurance industry in China, that the level of human resources and the capital scale have remarkable negative effects on it, and while the structures of capital source have no effects on it.
出处
《当代经济管理》
2008年第1期71-76,共6页
Contemporary Economic Management
基金
广东省哲学社会科学规划项目“我国保险市场效率和风险问题研究”(05E-07)的部分成果
关键词
寿险公司
效率分析
DEA
life insurance company
efficiency analysis
DEA
