中国寿险业的技术进步存在异质性吗?——基于要素偏向性的视角  

Is There Heterogeneity in the Technological Progress of Chinese Life Insurance Industry?--from the Perspec⁃tive of Factor Bias

作　　者：丁黎黎[1,2] 赵执 薛岳梅 郑慧 Ding Lili;Zhao Zhi;Xue Yuemei;Zheng Hui

机构地区：[1]中国海洋大学经济学院,山东青岛266100 [2]中国海洋大学海洋发展研究院,山东青岛266100

出　　处：《保险职业学院学报》2021年第1期25-33,共9页Journal of Insurance Professional College

基　　金：国家自然科学基金面上项目(71973132);山东省泰山学者工程专项经费资助项目(tsqn20161014,ts201712014);中央高校基本科研业务费专项(201861046)。

摘　　要：本文立足识别中国寿险行业的技术进步偏向。从微观主体入手,将寿险公司承保与投资活动同时纳入分析框架,利用DEA-Malmquist指数分解法构建了技术进步偏向模型,给出了中资及外资寿险公司在人力、经营费用和资本的投入偏向,以及承保和投资的产出偏向判断,来回答中国寿险公司技术进步是否存在异质性的现实问题。研究结论显示:中国寿险业的全要素生产率增长来源由技术效率向技术进步迁移;中国寿险业的技术进步整体偏向于密集使用费用和资本;中资与外资寿险公司具有不同的投入要素偏向,前者偏向于密集使用费用,后者则偏向于密集使用资本;同时投资收益则是产出端的技术进步偏向方向所在,而对赔付支出的偏向性较弱。基于此本文提出了我国寿险业如何稳健发展的建议。This paper is devoted to identifying the technical progress bias of China's life insurance in⁃dustry.Starting from the micro-subject,this paper brings the insurance and investment activities of life insur⁃ance companies into the analytical framework at the same time.This paper uses DEA-Malmquist index decom⁃position method to construct a technology progress bias model.Then,the study figures out the input bias of Chinese and foreign life insurance companies in manpower,operating expenses and capital.In order to answer the realistic question whether there is capital chase in life insurance companies in China,the output bias of in⁃surance and investment is judged.The conclusion shows that the source of total factor productivity growth in China's life insurance industry transfers from technological efficiency to technological progress.The technologi⁃cal progress of China's life insurance industry is inclined to intensive use cost and capital as a whole.Chinese and foreign life insurance companies have different input factors,the former tends to intensive use costs,while the latter tends to intensive use of capital.At the same time,the investment income is the direction of techno⁃logical progress at the output side,while the bias of compensation expenditure is weak,and the life insurance industry shows a tendency towards capital pursuit.Based on this,this paper puts forward some suggestions on how to develop the life insurance industry steadily in China.

关 键 词：寿险公司 技术进步异质性 偏向型技术进步 要素偏向 

分 类 号：F840.62[经济管理—保险]