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ID:32145135
大小:2.59 MB
页数:60页
时间:2019-01-31
《基于sfa方法我国财险公司的效率分析》由会员上传分享,免费在线阅读,更多相关内容在学术论文-天天文库。
1、●●●基于SFA方法的我罔财险公司的效率研究AbstractEfficiencyproblemisoneofthecoreissuesofeconomicresearch.WiththefurtheropeningupoftheNon.1ifeinsurancemarket,propertyandcasualtyinsuranceindustryconfrontsgrowingcompetitivepressure.Howtoenhancethecompetitivestrengthandimproveoperationalefficienciesbecomesthebasisofpro
2、pertyandcasualtyinsurancecompaniessurvivingfromthemarketcompetition.Inthisarticle,stochasticfrontieranalysis(SFA)methodiSusedtoassesstheefficiencyofpropertyandcasualtyinsurancecompaniesinourcountrytotrytogetreferencematerialswhichareusefulforimprovingefficiencyofpropertyandcasualtyinsurancecompan
3、ies·Firstly,thispaperchosesampledataof20propertyandcasualtyinsurancecompanicsfrom2004to2009.Technicalefficiencyandallocativeefficiencyofpropertyandcasualtyinsuranceindustryinourcountryareestimatedandcomparedbymeartsofstochasticfrontieranalysis.Theauthorfoundoutthattheefficiencyhasbeenimprovedyear
4、byyearduringtheobservationperiod.Intermsoftechnicalefficiency,Chinesecompaniesarebetterthanjointventureandforeigncompaniesbecauseofthescaleeffect.However,intermsofallocativeefficiency,jointventureandforeigncompaniesarebetterthanChinesecompanies,andthegrowthrateishigher,allofwhichshowthatJointvent
5、ureandforeigncompaniesarebetterthanChinesecompaniesoncontrollingcostandmanagementcapability.(thedifferenceofefficiencybetweenforeigncompaniesandChinesecompaniesarebiggerthanthedifferenceofoutputefficiencybetweenthemwhichindicatingthatforeigncompaniesaremoreabilitytocontrolcostandmanagethecompany.
6、)Secondly,thispaperanalysisfactorsaffectingefficiencyofpropertyandcasualtyinsurancefromthepointofviewofcostandinput,andchose8Characteristicvariablestotest(inprogressaEmpiricalanalysis).Thestudyindicatesthattheeconomicscalecoefficient,investmentandthepercentageoftheinterestincomeexistpositiveeffec
7、tonefficiencyofpropertyandcasualtyinsurance;however,retumontotalassetsratio,assetshare,operatingexpenseratio,fixedassetsratio,thedummyvariableshavenegativeeffectefficiencyofpropertyandcasualtyinsurance.Amongallofthesef
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