我国寿险公司效率测度及其动态变化的实证分析

The Empirical Analysis on the Dynamic Changes and Measure of Efficiency of China's Life Insurance Companies

本文运用数据包络分析方法（DEA）和Malmquist指数对我国13家寿险公司2002—2007年的技术效率、纯技术效率和规模效率以及全要素生产率变动进行了测度。结果发现，我国寿险公司技术效率普遍较低，整体上是由纯技术效率和规模效率的低下共同导致的，而规模效率对技术效率的影响更大。在DEA无效的寿险公司中，合资企业居多数，分为SE主导型和PE主导型。同时，本文运用Malmquist效率指数刻画了我国寿险公司生产效率的动态变化，并将各公司划分成四种增长类型，并通过对生产有效性的“追赶效应”和“前沿面移动效应”的分解，得出不同增长类型公司效率动态变化的推动因素。

In this paper, DEA and Malmquist index are used in estimating the technical efficiency, pure technical efficiency, scale efficiency and the change in total - factor productivity of 13 lfie insurance companies in 2002 - 2007. Findings show that the technical efficiency is low and because of the low pure technical efficiency and scale efficiency, the scale efficiency has a more important effect on it. Among the DEA ine.fficiency companies, the foreign-founded companies are low both in SE and PE. The paper analyses the productivity change and the difference of productivity growth, and gives the reason for the differences by disintegrating the Malmquist into effch and techch.