中国保险业效率的影响因素分析  

Factors affecting the efficiency of China′s insurance industry

作　　者：吕秀萍[1] 

机构地区：[1]河北经贸大学金融学院,河北石家庄050061

出　　处：《保险研究》2010年第5期3-9,共7页Insurance Studies

摘　　要：研究影响保险业效率的因素,不仅能揭示影响因素构成、各因素的影响方式和程度,还可以为我们提供提高效率的努力方向。本文在以往研究成果的基础上,进一步分析了影响中国保险业效率的主要因素。结果表明,宏观经济环境、保险产业结构等外部因素和保险公司的资本规模、经营能力、管理费用等内部因素都对保险业效率产生不同方向和程度的影响。保持GDP的增长速度、稳定通胀率、提高资本利用水平和员工的专业素质以及保险公司经营能力、有效控制管理费用以及提高赔付比率等都有利于提高保险业效率。The study can not only reveal what factors are affecting the efficiency of the insurance industry, and each factor＇s extent of impact, but also help to illuminate how to improve efficiency. Based on the results of previ- ous studies, this paper further analyzed the main impacting factors on the efficiency of China＇s insurance industry. The results showed that external factors such as macroeeonomic environment and insurance industry＇s sectoral struc- ture and internal factors such as the size of capital, management capacity, expense control, etc. had impacts on different aspects with different extent. Maintain the GDP growth rate, stabilize the inflation rate, and improve cap- ital utilization and staff quality as well as enhance management capacity of insurance companies, maintain effective control of management costs and increase payment ratios, etc. were beneficial to improving the efficiency of the insurance industry.

关 键 词：保险业效率 影响因素 外部因素 内部因素 

分 类 号：F840.32[经济管理—保险]