CAJ | 학술논문

我国财险公司的经营过程可分为保费筹集和保费运用两个相互独立、相互统一的阶段，因此，本文采用我国26家财险公司2004--2009年的面板数据，通过建立资源约束型DEA模型来评估财险公司的经营效率，以及保费筹集和保费运用两个子阶段的效率水平。研究表明，我国财险公司经营效率水平比较高，并且是由保费筹集和保费运用综合决定的，而保费筹集效率比保费运用效率要相对低一些，因而，在资源分配方面，使得各项输入的资源在保费筹集阶段的最优投入比例应小于保费运用阶段。
아국재험공사적경영과정가분위보비주집화보비운용량개상호독립、상호통일적계단，인차，본문채용아국26가재험공사2004--2009년적면판수거，통과건립자원약속형DEA모형래평고재험공사적경영효솔，이급보비주집화보비운용량개자계단적효솔수평。연구표명，아국재험공사경영효솔수평비교고，병차시유보비주집화보비운용종합결정적，이보비주집효솔비보비운용효솔요상대저일사，인이，재자원분배방면，사득각항수입적자원재보비주집계단적최우투입비례응소우보비운용계단。
In view of Chinese property - insurance companies＇ unique operating processes , we decompose them as premiums - collecting and premiums - using , which are independent and integrated . Thus , this paper measures the efficiencies of operating as well as premiums - collecting and premiums - using for the 26 property - insurance companies in China from 2004 to 2009 by using a resource - constrained DEA model. We find out that, for the Chinese property insurance companies, the operating efficiencies, which are determined by premi- ums - collecting and premiums - using stages, are relatively big, and the premiums - collecting efficiencies are higher than the premiums - using efficiencies, which makes the optimal proportion of investments smaller in the premiums - collecting stage.