经济与管理评论
經濟與管理評論
경제여관리평론
Shandong Economy
2015年
2期
59~70
,共null页
保险公司 运营绩效 评价指标 评价体系 因子分析法
保險公司 運營績效 評價指標 評價體繫 因子分析法
보험공사 운영적효 평개지표 평개체계 인자분석법
insurance companies; operational performance; evaluation index; evaluation system; factor analysis method
保险业是中国金融体系的重要组成部分，一旦保险业发生系统性风险，将严重威胁到我国金融体系的安全，因此，必须尽快建立中国保险业运营绩效评价体系，以此来提升对中国保险业风险运营效率的监测功能。首先设计了中国境内保险公司运营绩效评价指标体系，在此基础上，选取来自中国保险业60家境内保险公司的运营数据，运用因子分析法对中国境内保险公司运营绩效评价进行了实证分析。研究发现，财险类保险公司与寿险类保险公司的运营绩效存在差异，财产类保险公司的运营绩效优于寿险类保险公司；中资类保险公司的运营绩效整体上优于外资类与合资类保险公司，外资类保险公司的运营绩效整体上优于合资类保险公司。并以此为依据，给出了相关政策建议。
保險業是中國金融體繫的重要組成部分，一旦保險業髮生繫統性風險，將嚴重威脅到我國金融體繫的安全，因此，必鬚儘快建立中國保險業運營績效評價體繫，以此來提升對中國保險業風險運營效率的鑑測功能。首先設計瞭中國境內保險公司運營績效評價指標體繫，在此基礎上，選取來自中國保險業60傢境內保險公司的運營數據，運用因子分析法對中國境內保險公司運營績效評價進行瞭實證分析。研究髮現，財險類保險公司與壽險類保險公司的運營績效存在差異，財產類保險公司的運營績效優于壽險類保險公司；中資類保險公司的運營績效整體上優于外資類與閤資類保險公司，外資類保險公司的運營績效整體上優于閤資類保險公司。併以此為依據，給齣瞭相關政策建議。
보험업시중국금융체계적중요조성부분，일단보험업발생계통성풍험，장엄중위협도아국금융체계적안전，인차，필수진쾌건립중국보험업운영적효평개체계，이차래제승대중국보험업풍험운영효솔적감측공능。수선설계료중국경내보험공사운영적효평개지표체계，재차기출상，선취래자중국보험업60가경내보험공사적운영수거，운용인자분석법대중국경내보험공사운영적효평개진행료실증분석。연구발현，재험류보험공사여수험류보험공사적운영적효존재차이，재산류보험공사적운영적효우우수험류보험공사；중자류보험공사적운영적효정체상우우외자류여합자류보험공사，외자류보험공사적운영적효정체상우우합자류보험공사。병이차위의거，급출료상관정책건의。
Insurance industry is an important part of China＇s financial system.Once systematical risks strike the insurance industry, the safety of Chinese finance system will be threatened.Therefore,the evaluation system of operational performance for China＇s insur-ance industry should be established as soon as possible so as to enhance the monitoring function of risk operation efficiency of China＇s insurance industry.This paper first designs the evaluation index system of operational performance for Chinese domestic insurance com-panies.On the basis of this system and the operational data from 60 domestic insurance companies in China,an empirical analysis is then made to evaluate operational performance by employing the factor analysis method.The research result finally shows that some differences in operational performance exist between life insurance companies and property insurance companies.Also,operational per-formance of property insurance companies is better than that of life insurance companies.Moreover,in terms of operational perform-ance,Chinese-funded insurance companies are better than foreign insurance companies and foreign insurance companies better than joint insurance companies.Accordingly,relative policy suggestions are given.
