基于DEA三阶段的我国财产保险公司经营效率测度研究

A Three-stage DEA Model Measurement on Domestic Property Insurance Company's Management Efficiency

研究国内保险公司经营效率的文献多采用DEA二阶段模型,其最大的不足之处是无法剥离环境和误差因素对效率值的影响。本文运用能够调整环境变量与随机干扰等因素的DEA三阶段分析方法,对2009年我国财险业的46家公司的经营效率进行分析,结果表明:内外资财险公司的经营效率差距较大,我国大部分财险公司处于规模报酬递增阶段,需适度扩大规模来提升规模效率;纯技术效率处于较低水平,需不断提升公司的管理决策水平。

Most of the literature studying domestic insurance company＇s management efficiency use two-stage DEA model, and the major deficiency is its inability to peel environment and error factors＇influence on the efficiency value. This paper used three-stage DEA model to analyze the management efficiency of 46 property companies in 2009, and the results showed that：without the effect of the environment variables,there was a big difference between the foreign and Chinese companies, the Chinese companies needed to enlarge the scale to improve the efficiency because they were at the stage of increasing returns to scale. As their pure technical efficiency was at a low level, they also needed to constantly enhance their management decision-making capability.