摘要
根据2011—2013年10家人寿保险公司及10家财产保险公司的投入产出数据,运用DEA方法对保险公司的技术效率、纯技术效率、规模效率的变化趋势进行实证分析。结果表明:我国保险公司的技术效率较低,存在较大的投入浪费;总体上,寿险公司的技术效率略高于财险公司,同一集团下的不同保险公司技术效率相差较大;寿险和财险公司的纯技术效率差别较大,但两者总体上均处于上升趋势;大型保险公司处于规模效率不变或递减状态,小型保险公司处于规模效率递增状态;财险公司和寿险公司的投入要素利用率都有所提高,但保险公司的经营技术水平比较落后。
Based on the input-output data of 10 life insurance companies and 10 property insurance companies from 2011 to 2013, the paper conducted a empirical analysis of the change trend of the technical efficiency, pure technical efficiency and scale efficiency of insurance companies, using DEA method. The empirical results show that the technical efficiency of China＇s insurance compa- nies is low, and there is a big waste of investment. On the whole, the technical efficiency of life insurance companies is slightly higher than that of property insurance company; There is a big difference between the different insurance companies＂ technical effi- ciency under the same group; There is a great difference between the pure technical efficiency of life insurance and property insur- ance companies, and the overall tendency is rising; The scale efficiency of large insurance companies is constant or decreasing, while the scale efficiency of small insurance companies is increasing; The utilization rate of input factors of property insurance com- pany and life insurance company are improved; Relatively, the management level of insurance companies is backward. According to the above conclusions, this paper presents policy recommendations.
出处
《山东科技大学学报（社会科学版）》
2017年第2期67-74,共8页
Journal of Shandong University of Science and Technology(Social Sciences)
基金
山东省研究生教育创新计划资助项目(SDYY14086)
关键词
数据包络分析
保险公司
经营效率
Data envelopment analysis
The insurance company
Management efficiency
