2006～2009:我国中资与外(合)资保险公司经营效率的比较研究

A comparative study on the operating efficiency of Chinese insurance companies versus foreign(joint-venture) insurance companies

2011年是中国加入WTO十周年。十年来,我国保险业对外开放程度明显提高,保险业步入了快速发展的黄金时期。截至目前,我国共有外(合)资保险公司46家,世界上主要的跨国保险金融集团和发达国家的保险公司已经基本进入我国。2009年,我国外(合)资保险公司保费收入458.02亿元,与加入WTO前相比增长了约4.7倍。本文选择了我国41家保险公司为样本,其中寿险公司22家,产险公司19家,运用DEA方法实证分析了2006年～2009年我国中外(合)资保险公司的经营效率,并提出了相应的政策建议。

2011 is the tenth anniversary of China＇s accession to WTO. During the last decade,Chinese insurance industry experienced a period of rapid development, and had been opened wider for foreign participation. Until recently,there are 46 Sino-foreign joint venture insurance companies in China. Leading multinational insurance ＆ financial groups and insurance companies of developed countries have all established their presence in China. In 2009, the premium income of Sino-foreign joint venture insurance companies in China was 45.8 billion Yuan, which increased about 4.7 times compared with the pre-WTO era. This article chose 41 insurance companies in China as samples, including 22 life insurance companies and 19 property insurance companies. The author made an empirical analysis by DEA method on operating efficiency of Sino-foreign joint venture insurance companies during 2006 to 2009, and offered appropriate proposals from the government policy point of view in order to improve operating effieieney of the industry.