互联网保险发展对保险企业经营效率影响的实证分析

An Exponential Analysis of the Impacts of Internet Insurance Development on Operational Efficiency of Insurance Companies

2011年以来,互联网经济的快速发展使得互联网渠道成为各险企争夺的焦点,互联网保险也得以迅速发展。那么,互联网保险的发展能否提升保险企业经营效率?本文基于2014年互联网业务排名,选取7家财产保险公司和7家人寿保险公司作为样本,对这个问题进行实证分析。研究发现互联网保险业务发展对保险企业成本效率与利润效率都有积极影响,而且这种影响具有方向性。

With the rapid development of Internet economy since 2011, the Internet as a distribution channel has become the focus of competition among insurers, and Internet insurance has witnessed a rapid development. Then, can the development of Internet insurance lift the operational efficiency of insurance companies？ Based on the rank- ing of Internet insurance business volume in 2014 and choosing 7 property ＆ Casualty insurers and 4 life insurers as samples, this paper conducted an exponential study on this question. The research results showed that the develop- ment of Internet insurance business had positive impacts on both cost efficiency and profit efficiency, and such im- pacts were directional.