我国银行系寿险公司经营绩效研究  

作　　者：杜玉超 

机构地区：[1]北京工商大学,北京100048

出　　处：《保险职业学院学报》2020年第1期37-44,共8页Journal of Insurance Professional College

摘　　要：我国银行和保险行业在改革开放后都取得了快速的发展,随着金融市场日益激烈的竞争和混业经营趋势的发展,银行和保险行业开始寻求合作来增强各自的实力和市场影响力。本文在规模经济、范围经济、协同效应理论基础上提出相关假设,然后选取2011至2016年的数据,用DEA方法对10家中国银行系寿险公司和15家较典型的中国非银行系寿险公司进行绩效对比研究,随后运用Malmquist指数对3家银行系寿险公司的经营效率进行测算。通过实证发现:我国银行系和非银行系寿险公司整体上都存在着一定的投入浪费,都没能达到效率最优;股权合作程度的高低与寿险公司的经营绩效正相关,银行控股寿险公司有利于被控股的寿险公司技术进步。China's banking and insurance industries have achieved rapid development after the reform and opening up.With the increasingly fierce competition in the financial market and the development of mixed operation,the banking and insurance industries have begun to seek cooperation to enhance their own strength and market influence.Based on the theory of scale economy,scope economy and synergy is put forward on the basis of assumptions,and then select data from 2011 to 2016,using DEA method to 10 banks of China life insurance company and 15 typical department non-banks,China life insurance company performance comparison research,then using the Malmquist index to three Banks operating efficiency of life insurance company is calculated.The empirical results show that both the banking and non-banking life insurance companies in China have a certain amount of waste of investment on the whole,and the efficiency is not optimal.Moreover,the degree of equity cooperation is positively correlated with the operating performance of life insurance companies.Being held by banks is beneficial to the technological progress of life insurance companies controlled by the banks.

关 键 词：银行系寿险公司 经营绩效 DEA方法 

分 类 号：F840.69[经济管理—保险]