基于DEA模型的我国产险公司经营效率比较研究-金融学专业论文.docxVIP

II II 出，在样本期间内，我国产险业全要素生产率整体略微降低，而这主要受 累于我国产险业技术效率的降低。 关键词：产险公司 超效率 DEA 曼昆斯特指数 III III A COMPARATIVE STUDY ON THE OPERATING EFFICIENCY OF PROPERTY INSURANCE COMPANY IN CHINA BASED ON DEA MODEL ABSTRACT Chinese insurance industry has developed rapidly since its recovery and makes a great contribution to the modernization of our country. However, for a long time, most insurance companies have developed in a scaling-up and grabbing-share way, which seriously restricted the further development of our insurance industry. With the gradual opening of our insurance market after joining the WTO, foreign insurance companies began to enter Chinese market. Under the complicated and changeable economic situation and the increasing market competition pressure, the way to improve the integral competitiveness of our insurance industry is a significant topic that placed in front of numerous scholars and practitioners of insurance as well as the significance of studying and analyzing the operating efficiency of the property insurance market. Based on the previous studies and combined with the developing trend of the domestic insurance industry in recent years, this paper selects relevant data of the insurance industry from 2008 to 2012 and adopts DEA model and Malmquist index to calculate the technical efficiency, super-efficiency, scale efficiency, pure technical efficiency and TFP of Chinese insurance industry in PAGE PAGE VI recent years, and carries out a comparative analysis by dividing the insurance market into different market entity. It turns out that the overall operating efficiency of our insurance industry performed well and it has a downward trend, the operating efficiency of each insurance company has a great difference. By dividing the domestic insurance market into different market entity, generally speaking, the operating efficiency of Chinese native insurance companies is lower than foreign insurance companies, the operating efficiency of traditional insurance com