费率市场化视角下的寿险公司经营效率分析——基于SFA和DEA的对比分析  

Operating Efficiency Evaluation of China's Life Insurance Companies under the Premium Rate Liberalization Perspective——Based on comparative analysis of SFA and DEA

作　　者：孙强[1] SUN Qiang(School of Insurance and Economics, University of International Trade and Economics, Beijing 100029)

机构地区：[1]对外经济贸易大学保险学院,北京100029

出　　处：《保险研究》2017年第6期49-58,共10页Insurance Studies

摘　　要：本文分别运用DEA和SFA两种方法,测算了2010~2014年我国39家寿险公司的经营效率,并基于费率市场化的视角,定量分析了我国寿险公司经营效率的影响因素。研究表明:样本期内,运用两种方法测得的我国寿险公司的经营效率均普遍较低;费率市场化之后,我国寿险公司的经营效率出现了下降,寿险公司的保费收入与经营效率的提升具有正相关关系。This paper used SFA and DEA analysis methods to calculate operating efficiency of 39 Chinese life insurance companies during 2010 - 2014. It also analyzed the factors which affected the efficiency under the premium rate liberalization perspective. The results showed that Chinese insurers＇ operating efficiency was generally low by using the two calculation methods. Insurers＇ operating efficiency fell further after the implementation of premium rate liberalization, and there was a positive correlation between operating efficiency and premium income.

关 键 词：费率市场化 经营效率 寿险公司 

分 类 号：F840.66[经济管理—保险]