基于DEA-Malmquist的中国财产保险公司经营效率实证研究

An Empirical Study on Operating Efficiency of Property Insurance Companies in China Based on DEA-Malmquist Index

应用数据包络分析的CCR模型、BCC模型以及DEA—Malmquist指数分别从静态和动态两个角度对2006—2010年中国财产保险公司的技术效率、纯技术效率、规模效率、技术效率变动指数和技术进步指数进行了实证研究。结果表明：大多数公司技术效率无效，存在投入的浪费；一部分公司的技术效率无效是由于规模效率无效造成的；中资保险公司规模经济效应不明显；2006—2010年中资保险公司的效率略有下降，但下降幅度低于外资公司；多数公司整体效率没有较大提高甚至退步的原因主要在于技术水平较低。

Using CCR and BCC model of data envelopment analysis and DEA-Malmquist index, technical efficiency, pure technical efficiency, scale efficiency, efficiency change and technological change of property insurance companies from 2006 to 2010 are calculated. The result shows that most of companies＇ technical efficiency is invalid. And the invalidness of scale efficiency is the main reason for the lower technical efficiency of some companies. Efficiency of Chinese-funded insurance companies has fallen slightly from 2006 to 2010. The low level of technology hinders efficiency of most of companies.