宝鸡文理学院学报（社会科学版）
寶鷄文理學院學報（社會科學版）
보계문이학원학보（사회과학판）
JOURNAL OF BAOJI COLLEGE OF ARTS AND SCIENCE(SOCIAL SCIENCES)
2013年
5期
82-85,94
,共5页
保险公司%技术效率%规模效率%产权制度
保險公司%技術效率%規模效率%產權製度
보험공사%기술효솔%규모효솔%산권제도
Insurance companies%Technical efficiency%Scale efficiency%the property right system
保险公司的综合效率低下引起各界普遍的关注。运用数据包络分析方法对我国50多家保险公司进行效率分析，发现其整体上 DEA 效率值不高，全行业经营状况欠佳；股份制保险公司DEA各项效率值高于国有或国有控股保险公司的效率值，中资寿险公司的 DEA 效率要高于中外合资寿险和中资产险公司效率。产权制度、公司治理和人力资本状况是影响我国保险公司效率的主要因素。必须进一步推进国有或国有控股保险公司的产权改革和制度建设，努力提高其盈利能力和经营效率。
保險公司的綜閤效率低下引起各界普遍的關註。運用數據包絡分析方法對我國50多傢保險公司進行效率分析，髮現其整體上 DEA 效率值不高，全行業經營狀況欠佳；股份製保險公司DEA各項效率值高于國有或國有控股保險公司的效率值，中資壽險公司的 DEA 效率要高于中外閤資壽險和中資產險公司效率。產權製度、公司治理和人力資本狀況是影響我國保險公司效率的主要因素。必鬚進一步推進國有或國有控股保險公司的產權改革和製度建設，努力提高其盈利能力和經營效率。
보험공사적종합효솔저하인기각계보편적관주。운용수거포락분석방법대아국50다가보험공사진행효솔분석，발현기정체상 DEA 효솔치불고，전행업경영상황흠가；고빈제보험공사DEA각항효솔치고우국유혹국유공고보험공사적효솔치，중자수험공사적 DEA 효솔요고우중외합자수험화중자산험공사효솔。산권제도、공사치리화인력자본상황시영향아국보험공사효솔적주요인소。필수진일보추진국유혹국유공고보험공사적산권개혁화제도건설，노력제고기영리능력화경영효솔。
It caused the widespread concern from academic circles to low comprehensive efficiency of China's insurance companies (CICS).With data envelope analysis method (DEA)to analyze more than 50 insurance companies ,we found that CICS'DEA efficiency value is not high;The industry was in poor management ;the efficiency value of Joint-stock insurance company was Higher than state-owned or state-controlled insurance company's ;DEA efficiency of China's life insurance company was higher than j oint venture life insurance's and property insurance company's.Property rights system , corporate governance and human capital is the main factors effecting their efficiency .We must further promote property rights reform and system construction of state-owned or state-controlled insurance company,and strive to improve its profitability and management efficiency.
