中国保险公司绩效衡量--基于全面风险管理框架  

The Performance Measurement of Chinese Insurance Companies——Based on A Comprehensive Risk Management Framework

作　　者：陶启智[1] 李亮[1] 徐阳[2] 

机构地区：[1]西南财经大学金融学院,成都611130 [2]日本长崎大学经济学部,日本长崎8508506

出　　处：《金融论坛》2016年第9期69-80,共12页Finance Forum

摘　　要：本文依据保险公司的统计分析指标，同时考虑财、寿险企业的共性和险种的特性，构建一个系统评价保险公司绩效的指标体系，并运用主成分分析法和因子分析法对2010。2012年中国境内97家保险公司的272个样本绩效进行度量；对比中、外资保险企业综合绩效，探析绩效驱动因子。研究表明，外资保险公司综合绩效表现差于中资保险公司，主要原因在于中资保险公司在规模因子和成长因子方面具有优势，而上市保险公司表现优于非上市保险公司则主要体现在盈利能力和收入方面。According to the statistical analysis indicators used by insurance companies and considering the generality and individuality of property-casualty and life insurance companies, the author of the paper constructs a indicator system to evaluate the performance of insurance companies, uses the principal component analysis and factor analysis to measure the performance of the 272 samples of Chinese 97 insurance companies during 2010-2012, compares the comprehensive performance of Chinese and foreign insurance companies and analyzes the factors to impact performance. The conclusions of the paper show that the comprehensive performance of foreign insurance companies is worse than that of Chinese insurance companies, the main reason is because the Chinese insurance companies show advantages in terms of scale factors and growth factors, and the listed insurance companies outperform the non-listed insurance companies mainly in profitability and income.

关 键 词：保险公司 绩效评估 全面风险管理 主成分分析法 因子分析法 

分 类 号：F842.3[经济管理—保险] F272.3