产险业产品结构优化成效评价——基于黑龙江省产险业险种绩效的分析  

Evaluating the Effect of Structural Optimization of Property Insurance Products——Based on an Analysis of the Performance of Property Insurance Product Lines in Heilongjiang Province

作　　者：刘波[1] 李冰昕 

机构地区：[1]东北财经大学金融学院,辽宁大连116025

出　　处：《保险研究》2017年第12期79-86,共8页Insurance Studies

摘　　要：供给侧结构性改革为"新常态"下的经济活动指明了方向,产险业作为宏观经济发展的重要组成部分,应使供给体系更加适应需求的变化。产品结构优化是实现供给侧结构改革目标的重要手段之一,其成效直接反映了保险企业承担和履行社会责任的广度和深度。本文以黑龙江省为例,借助创新的数据包络分析模型,测算了产险业险种的绩效,评价了产品结构优化的成效,分析了影响险种绩效的因素,进而明确了进一步改善产品结构的方向。Supply-side structural reform indicates the direction of the economic activity under the New Normal. As an important part of the macro economy,the property insurance industry should make the supply system more adapted to the changes of demands. The product structural optimization is one of the most important ways to achieve the goal of the supply-side structural reform,and the results directly reflect the extent and depth of social responsibility the insurance industry undertakes and fulfills. Taking Heilongjiang province as an example,this paper measured the performance of the property insurance product lines based on an innovative Data Envelopment Analysis model,evaluated the effect of product structural optimization,analyzed the factors influencing the performance,and then clarified the direction of further improving the product structure.

关 键 词：产险险种 绩效 数据包络分析 

分 类 号：F842.7[经济管理—保险]