我国责任保险的发展现状及效率分析.pdfVIP

西部论坛 第 20 卷第 6期 20 10 年 11月 W est Forum V o.l 20 N o. 6 N ov. 2010 do:i 10. 3969 / j. issn. 2010. 06. 014 * 艾翅翔 ( 10008 1) : 近年来我国责任保险发展迅速 但与发达国家的差距 非常显著 且主要由少数几家大的保险 公司垄断从整体上看 我国责任保险规模效率基本保持较佳水平 但由于纯技术效率较低导致整体技术 效率水平较低; 外资保险公司的效率水平明显高于中资保险公司区域间的责任保险效率也很不均衡 其 中上海广东和贵州的效率值处于前沿面上 说明责任保险虽然受地区经济发展水平的影响较大 但其发展 状况并不完全由地区经济发展水平所决定 : 责任保险; DEA 模型; 规模效率; 技术效率; 纯技术效率; 保险公司; 地区经济 : F842. 6 : A : 2010) Analysis of the A ctuality of the Chinese L iab ility Insurance and E fficiency A I Chix iang ( Scho o l o f Econom ics C entra l U niversity o f F inance and Eco nom ics Beijing 10008 1 China ) A bstrac t: In recent yea rs Ch ina s liab ility in surance dev elop s rap idly but there is obv iou s gap w ith deve lop ed countr ies and liab ility insurance is m onopo lized by severa l b ig in surance com pan ies. In general Ch ina s liab ility in surance sca le effic iency bas ica lly keep s at good leve l bu t techn ica l eff iciency leve l is re latively low the m ain reason s for th is are re lative ly low pure techn ica l eff ic iency and the eff iciency leve l of foreign in surance com panies is obv iou sly h igher th an th at o f Chinese insurance com p an ies. Interreg iona l liab ility insurance deve lopm ent effic iency is very mu ch mi b a lanced and the eff ic iency va lu e o f Sh angh ai G u angdong and G u izhou takes advanced w hich indicate tha t developm ent actu ality o f liability in surance does no t comp le tely depend on reg iona l econom ic developm ent level though it