区域效率评价模型与财险公司经营效率研究——基于盈利模式的视角

Study on Regional Efficiency Evaluation Model and Operating Efficiency of Property Insurance Companies——Based on the Perspective of Business Model

准确刻画决策单元的盈利模式,并基于盈利模式来构建经营效率评价模型,是正确比较决策单元经营效率差异的基础,但这一点似乎并不受现有理论研究的重视。本文首先提出了财险公司区域分支机构的盈利模式,随后构建了基于该盈利模式的Malmquist指数效率评价模型,最后以2007-2011年期间15家陕西省财险公司分支机构为样本进行了实证分析。研究发现,金融危机期间陕西财险业区域经营效率有小幅提升,主要源于技术进步的贡献;区域市场份额大的企业,技术效率是相对稳定的,提升经营效率的的关键取决于技术的进步,放弃创新活动的追逐是舍本求末的。

Depicting the business model of decision making units（DMUs）accurately,and constructing efficiency evaluation model,is the foundation in comparing the difference of DMUs operating efficiency.But it seems not pay enough attention in theoretical study.This paper puts forward business model of regional branches of property insurance company,then constructs Malmquist index efficiency evaluation model,finally empirical analyses the sample of 15 branches of property insurance company from 2007 to 2011 in Shaanxi province.Results shows,operating efficiency of property insurance companies has small ascending in Shaanxi during the financial crisis,and this mainly comes from technology progress.In property insurance companies which have big market share,technical efficiency is relatively stable,and the key to enhance operational efficiency is developing technology,giving up chasing innovation activities is unwise.