中资和外资财险公司经营绩效比较研究

我国国内财产保险自1980年恢复以来,经过近40年的发展已经取得了巨大成就,截至2017年我国财险原保费收入已达到10541亿元。自我国加入WTO之后,我国保险市场逐步开放,对外资的限制逐渐放开,众多外资保险公司开始纷纷进入中国,到2017年已有22家外资财险公司,保费收入行业占比1.96%。经过多年的发展,对于中资和外资财险公司在经营效率上是否有差距这一问题值得研究,这不仅可以了解中国财产保险业当前的发展情况,而且可以针对其各自存在的问题提出一些政策建议,提高其综合竞争力。本文主要通过采用2013-2017年《中国保险年鉴》数据,对15家中资财险公司和10家外资财险公司进行DEA实证分析,分析各自的优势和存在的问题。

Since the restoration of China's domestic property insurance in 1980,after nearly 40 years of development,great achievements have been made.As of 2017,the original premium income of China's property insurance has reached 1,054.1 billion yuan.Since China's accession to the WTO,China's insurance market has gradually opened up,and restrictions on foreign investment have gradually liberalized.Many foreign-invested insurance companies have begun to enter China.By 2017,there have been 22 foreign-invested property insurance companies,and the premium income industry accounted for 1.96%.After years of development,it is worthwhile studying whether there is a gap in the operational efficiency between Chinese and foreign property insurance companies.This will not only help to understand the current development of China's property insurance industry,but also propose some policies for their respective problems.It is recommended to improve its overall competitiveness.This paper mainly conducts DEA empirical analysis on 15 Chinese property insurance companies and 10 foreign property insurance companies by using the 2013-2017 data from China Insurance Yearbook,and finally draws conclusions.