毕业论文—四家上市保险公司绩效的统计分析.doc

四家上市保险公司绩效的统计分析 摘 要 保险作为金融业的三大支柱之一，保险的快速发展为市场经济的良好运转提供了有力支撑和金融保障，保险公司的经营绩效不仅关乎保险公司自身的运营发展更将对整个国民经济的发展产生深远影响。本文选取了相继在我国境内上市的4家上市保险公司为分析对象，通过分析上市保险公司的财务数据指标，选取赔付率、资产负债率、利润率、退保率等相关的数据指标进行统计分析，运用统计分析法中的描述性统计方法对保险绩效进行分析，分别从保险公司的盈利能力、运营能力及经营稳健性方面的进行分析，并找出相对应的提升保险绩效的建议对策，旨在为国家宏观调控、政府职能转变、投资决策者提供有价值的参考意见。 关键词：金融企业；绩效分析；保险公司；描述性统计分析 Statistical analysis of the four listed insurance company’s performance Abstract Insurance as one of the three pillars of the financial industry, the rapid development of the insurance provided strong support and financial guarantee for the smooth functioning of the market economy, the insurance companys operating performance will not only about the development of the national economy more insurance companys own operational development have a profound impact. This paper selected four listed insurance companies have been in our country for the analysis of objects listed by the analysis of financial data indicators listed insurance companies, selected indicators relevant data loss ratio, debt ratio, profitability, lapse rates and other statistical analysis using statistical analysis of descriptive statistics to analyze the performance of the insurance, respectively, from the insurance company in profitability, operational capacity and sound management in terms of analysis and to identify the corresponding recommendations to enhance the safety performance measures, aimed in the national macro-control, transformation of government functions, provide a valuable reference views investment decision-makers. Key words: Financial firm; Performance analysis; insurance company; Descriptive Statistical 目 录 论文总页数：17页 1引言 1 1.1课题背景及意义 1 1.1.1课题背景 1 1.1.2课题意义 1 1.2国内外研究现状 1 1.2.1绩效评价的研究现状 1 1.2.2绩效统计分析在保险中研究现状 2 1.3研究内容与研究方法 2 1.3.1研究内容 2 1.3.2研究方法 3 2上市保险公司绩效的统计理论分析 3 2.1上市保险公司绩效指标选取 3 2.2上市保险公司绩效统计方法选择 4 3上市保险公司绩效统计实证分析 4 3.1数据的来源和数据的采集 4 3.2上市保险公司绩效统计分析 4 3.2.1太平洋保险 4 3.2.2平安保险 5 3.2.3新华保险 6 3.2.4中国人寿 8 3.2.5四家上市保险总体分析 9 4提升保险公司绩效的建议与对策 13 4.