中国保险公司交强险经营效率测算及影响因素分析——基于企业与社会的视角

Efficiency Measurement and Affecting Factor Analysis of Mandatory Third-party Liability Auto Insurance in China——From Corporate and Social Perspectives

本文通过数据包络分析方法，选择不同的投入、产出变量，分别从企业和社会角度两方面，对24家保险公司2008年～2013年交强险经营效率进行了测算，测算结果表明24家保险公司的企业效率和社会效率并不总是同步，有些公司两个效率之间存在着较大差异；为考量影响企业效率和社会效率的因素，文章选用随机效应模型进行了回归分析，回归结果表明保险公司开展业务的省份越多，其企业效率越高，而社会效率越低。并且，保险公司的专业化程度及所属集团下设立资产管理公司对社会效率都具有显著正影响。

This paper measured the enterprise and social efficiency of mandatory third-party liability （MTPL） auto insurance from 2008 to 2013by using the DEA model,based on the auditing reports of 24 companies which started this business from Julyl, 2006. Through comparing their ranking differences, our studies found that these companies＇ enterprise and social efficiency varied widely. Then we used the random effect model to conduct a regression analysis of factors affecting the efficiency, and the results showed that the more business, the higher the enterprise efficiency, but the lower its social efficiency. provinces the company operated this pany and whether there was a proprietary asset management company both had significant positive influence on the social efficiency.