基于因子分析法的中国寿险公司信用评级研究

Research on Credit Rating of Life Insurance Companies in China Based on Factor Analysis

为了测评中国寿险公司的信用等级,通过《中国保险年鉴》获取寿险公司财务数据,对数据进行整理计算获得实证所需财务指标数据,然后根据因子分析及评级模型所得出的结果进行综合评价,研究结果表明,排名靠前的寿险公司在资本偿付、资产品质以及盈利能力方面排名靠前,管理绩效与流动性方面对寿险公司信用等级排名无显著影响。

In order to measure the credit rating of Chinese life insurance companies, the financial data of life insurance companies are obtained by consulting the China Insurance Yearbook, and the data is compiled and calculated to obtain the financial indicators data required for the empirical analysis, and then the results are obtained based on the results of the factor analysis and the rating model. The research results show that the top life insurance companies rank high in terms of capital repayment, asset quality and profitability. Management performance and liquidity have no significant impact on the ranking of life insurance companies′credit ratings.