基于三阶段DEA模型的中国人寿保险业规模效率

The Scale Chinese Life Insurance Industry Efficiency Based on Three Stage DEA Model

运用Fried(2002)提出的三阶段DEA模型对2002~2011年我国30家人寿保险公司规模效率进行实证分析,研究发现:我国寿险公司的规模效率还非常低,中资寿险公司规模大但效率低,外资寿险公司规模小且效率低,中资寿险公司的规模效率远高于外资寿险公司;外资寿险公司的纯技术效率高于中资寿险公司;中外资寿险公司整体技术效率值较低,中资寿险公司技术无效的主要原因是纯技术效率不足,而外资寿险公司技术效率值较低的主要原因是规模无效;人寿保险业规模效率受寿险公司成立年数、分公司数等环境变量及其随机干扰因素影响。

The use of Fried(2002)DEA three stage model proposed in 2002 and 2011 30 Chinese life-insurance company scale efficiency of empirical analysis,the study found that:China's life insurance company's scale efficiency is very low,the Chinese life insurance company is large in scale but low efficiency,foreign insurance companies have small scale and low efficiency,the scale of Chinese life insurance company efficiency is much higher than the foreign life insurance company;pure technical efficiency of foreign life insurance companies is higher than that of Chinese life insurance company;the overall technical efficiency of foreign life insurance companies value is low,the main reason forthe technical inefficiency in Chinese life insurance companies is the lack ofpure technical efficiency,technology efficiency of foreign life insurance companies value the main reason is lower in the scale inefficiency;scale efficiency of life insurance life insurance company was founded by industry,the impact of the number of branch number of environmental variables andrandom factors.