内因支撑、外因驱动的我国财险公司成本效率分析  

Cost-efficiency Analysis of Property-liability Insurance Companies in China Based on Internal and External Factors

作　　者：白雪洁[1] 吴佳禾[1] 

机构地区：[1]南开大学经济与社会发展研究院,天津300071

出　　处：《中国地质大学学报（社会科学版）》2009年第3期84-89,共6页Journal of China University of Geosciences(Social Sciences Edition)

基　　金：南开大学文科科研创新基金项目(NKC0841)

摘　　要：本文以我国23家财险公司为对象,建立超越对数函数形态的随机成本边界模型,分别从内因和外因两个层面分析了财险公司成本效率的影响因素。研究发现,内因影响下的独资企业与内资企业间的成本效率差距高于外因影响下二者之间的差距,同时暴露出我国保险业的外延式扩张之路对财险公司的成本效率提升产生了较明显的负面影响。我国财险公司在保险深度较高的东部沿海地区开始朝向内涵式增长转型的时机已经成熟。In this paper, a translog cost function form of stochastic frontier model is applied to the research on the basis of 23 property-liability insurance companies. Both internal and external factors of cost-efficiency of insurance companies are adopted in the analysis. The research discovered that the disparity of cost-efficiency between foreign investment enterprises and domestic-funded enterprises under internal causes is much higher than that between the two under external factors, simultaneously exposing that the obvious negative impact on the increase of property-liability insurance companies＇ cost-efficiency is attributed to the extensive growth of Chinese insurance companies. It is the time for insurance companies in the eastern coastal areas of China with high growth to begin to move towards the interior type.

关 键 词：财险行业 成本效率 市场需求 

分 类 号：F842.65[经济管理—保险]