中国产险公司效率及影响因素研究——基于2010年数据

A Research on China Property Insurance Company's Efficiency and Its Influencing Factors Based on 2010 Data

以产险为研究对象,运用数据包络分析法对我国2010年保险市场中50家产险公司的效率水平进行测评,采用多元回归分析法对影响其效率水平的微观因素进行研究.结果表明,目前产险公司技术效率、纯技术效率和规模效率中等,且中资产险公司效率高于外资产险公司.就其影响因素而言,资产规模对纯技术效率影响显著,所有权形式对技术效率和纯技术效率影响显著,公司治理对规模效率和技术效率影响显著,产品结构对三类效率作用均显著.

Using data envelopment analysis method, the paper evaluates 50 property insurance companies at the end of 2010 in insurance market. And by means of the multiple regression analysis, a study is made of the mi cro factors that affect the efficiency of property insurance companies. The results show that the technical efficien cy of national property insurance companies is currently low, while that of the foreign property insurance compa ny is lower. Its technical efficiency is mainly affected by three factors including corporate governance, ownership and cargo transportation insurance rater. The pure technical efficiency is mainly affected by asset size, owner ship and motor vehicle insurance rate, and the scale efficiency is mainly affected by the corporate governance and the liability insurance rate.