中国保险公司DEA效率分析

The empirical analysis onDEA Efficiency and its influencing factors ofChina's insurance company

保险公司的综合效率低下引起各界普遍的关注。运用数据包络分析方法对我国50多家保险公司进行效率分析,发现其整体上DEA效率值不高,全行业经营状况欠佳;股份制保险公司DEA各项效率值高于国有或国有控股保险公司的效率值,中资寿险公司的DEA效率要高于中外合资寿险和中资产险公司效率。产权制度、公司治理和人力资本状况是影响我国保险公司效率的主要因素。必须进一步推进国有或国有控股保险公司的产权改革和制度建设,努力提高其盈利能力和经营效率。

It caused the widespread concern from academic circles to low comprehensive efficiency of China＇s insurance companies （CICS）.With data envelope analysis method （DEA）to analyze more than 50 insurance companies ,we found that CICS＇DEA efficiency value is not high;The industry was in poor management ;the efficiency value of Joint-stock insurance company was Higher than state-owned or state-controlled insurance company＇s ;DEA efficiency of China＇s life insurance company was higher than j oint venture life insurance＇s and property insurance company＇s.Property rights system , corporate governance and human capital is the main factors effecting their efficiency .We must further promote property rights reform and system construction of state-owned or state-controlled insurance company,and strive to improve its profitability and management efficiency.