摘要
本文在借鉴世界范围内最新效率研究方法的基础上,运用SFA方法首次对1999—2004年中国28家寿险和非寿险保险机构的成本效率和利润效率进行了评估。在模型设定的过程中,通过广义似然比统计量检验,论证了超越对数成本函数的可靠性。在影响因素分析的过程中,通过将效率影响因素引入随机前沿模型进行因素分析,避免了一般使用两阶段因素回归法可能造成的偏差。通过实证分析,本文得出:片面的改变保险机构产权结构并不能有效提高效率,公司治理结构、组织形式、营销体系、资产规模、产品多元化程度是影响中国保险业效率的主要因素;进一步地,本文探讨了提高中国保险业效率的可能途径。
Based on the recent efficiency analysis methods around the world, we apply the SFA approach to evaluate the cost efficiency and profit efficiency of 28 insurance companies in China from 1999 to 2004. In the process of establishing the model, this paper proves the reliability of the translog cost function by using LR ratio. In analyzing the factors affecting efficiency, we puts the factors into the stochastic frontier model, which avoids the deviation caused by using two-period factors regression method. On the basis of that, it is found that efficiency couldn＇t be improved only by changing the property right structure, the corporate governance structure, organizational forms, mode of business, asset size and product diversification are main factors affecting efficiency. Further, this paper discusses the possible ways to improve the efficiency of China＇s insurance industry.
出处
《南开经济研究》
CSSCI
北大核心
2006年第5期104-115,共12页
Nankai Economic Studies
关键词
SFA
效率
保险业
中国
SFA
Efficiency
Insurance Industry
China
