保险业的效率测度:文献综述与理论构建  

Measurement of the Efficiency of Insurance:A Review and Theory Construction

作　　者：张少华[1] 陆芸[1] 

机构地区：[1]浙江理工大学经济管理学院,浙江杭州310018

出　　处：《现代财经（天津财经大学学报）》2016年第7期92-103,共12页Modern Finance and Economics：Journal of Tianjin University of Finance and Economics

基　　金：浙江省高校人文社会科学重点研究基地项目(2015YJYB01)和(2015KYLX05);浙江理工大学521人才青年骨干项目

摘　　要：保险公司作为一种特殊的金融企业,既要追求经济效应最大化,又要承担重要的社会功能。因此导致保险公司的效率测度中存在效率测度方法不一、投入产出指标选择混乱等问题。本文在综述前沿文献基础上指出:(1)保险公司的特殊性决定了保险公司效率测度方法和投入产出指标选择的困难;(2)在考虑保险行业的效率前沿面时,由于非参数方法在显著性与精确度上的缺陷,参数法较之非参数法更有优势;同时非参数法的DEA方法也不断完善发展;(3)本文结合产出指标界定方法,从盈利和生产两个角度构建了两套投入产出指标体系。本文研究对中国保险机构的效率研究具有一定的参考价值。The insurance company as a special financial companies, is necessary to maximize eco- nomic effect, but also takes on important social function. As the result, the methods of efficiency are not standard and the selection of input-output indicator is in chaos in the measurement of effi- ciency about insurance company. Based on the review of the forefront of literature, this paper found that （1）The particularity of the insurance company makes it difficult to select the input-output in- dicator in the measurement of efficiency of insurance company; （2）While taking the efficiency fron- tier of insurance industry into consideration, parametric method is more advantage than non-para- metric method due to the defects in significance and accuracy about non-parametric methods at the same time, DEA method in non-parametric method has been improved in the development; （3） Based on the definition of output indicators, this paper proposes a system of two sets of input-out- put indicators from two points of view of profitability and production.

关 键 词：保险公司效率 参数法 非参数法 投入指标 产出指标 

分 类 号：F840[经济管理—保险]