CAJ | 학술논문

本文采用三阶段DEA方法，分析了中国寿险市场的效率。研究表明，寿险业整体技术效率不高，只有少数公司达到有效前沿；与外资保险公司相比，中资保险公司具有规模效率优势，而在纯技术效率方面，外资公司则优于中资公司，即外资公司具有更高的管理决策效率；寿险市场效率受保险市场结构的影响较大，保险公司分支机构数是影响市场效率的主要外部环境因素。
본문채용삼계단DEA방법，분석료중국수험시장적효솔。연구표명，수험업정체기술효솔불고，지유소수공사체도유효전연；여외자보험공사상비，중자보험공사구유규모효솔우세，이재순기술효솔방면，외자공사칙우우중자공사，즉외자공사구유경고적관리결책효솔；수험시장효솔수보험시장결구적영향교대，보험공사분지궤구수시영향시장효솔적주요외부배경인소。
Using three-stage DEA model, this paper empirically analyses the market efficiency of China life insurance market. Our studies find that the efficiency of China life insurance market is not high because only few companies have reached the efficient frontier. Compared with the foreign insurance companies, Chinese insurance companies have the scale efficiency advantage. However, in pure technical efficiency, foreign companies are superior to the Chinese companies, that is to say, the foreign companies have higher management decision-making efficiency. Market structure makes a great effect on the life insurance market efficiency in China. The branch number of the companies is the main influence factors from the external environment, and it leads to a positive impact.