我国责任保险的发展现状及效率分析

Analysis of the Actuality of the Chinese Liability Insurance and Efficiency

近年来我国责任保险发展迅速,但与发达国家的差距还非常显著,且主要由少数几家大的保险公司垄断。从整体上看,我国责任保险规模效率基本保持较佳水平,但由于纯技术效率较低导致整体技术效率水平较低;外资保险公司的效率水平明显高于中资保险公司。区域间的责任保险效率也很不均衡,其中上海、广东和贵州的效率值处于前沿面上,说明责任保险虽然受地区经济发展水平的影响较大,但其发展状况并不完全由地区经济发展水平所决定。

In recent years, China＇ s liability insurance develops rapidly but there is obvious gap with developed countries and liability insurance is monopolized by several big insurance companies. In general, China＇ s liability insurance scale efficiency basically keeps at good level but technical efficiency level is relatively low, the main reasons for this are relatively low pure technical efficiency and the efficiency level of foreign insurance companies is obviously higher than that of Chinese insurance companies. Interregional liability insurance development efficiency is very much imbalaneed and the efficiency value of Shanghai, Guangdong and Guizhou takes advanced, which indicate that development actuality of liability insurance does not completely depend on regional economic development level though it is greatly influenced by regional economic development level.