東亞三國人壽保險公司效率比較研究
發(fā)布時間：2018-12-14 10:49
【摘要】：亞洲經(jīng)濟在世界經(jīng)濟發(fā)展過程中具有重要的推動作用，地處東亞的日本、韓國和中國作為亞洲經(jīng)濟的主體對世界經(jīng)濟具有巨大的影響作用。保險業(yè)作為經(jīng)濟支柱產(chǎn)業(yè)之一，是現(xiàn)代生活風險管理最基本、最重要的手段，在社會經(jīng)濟中扮演了非常重要的角色。日本、韓國和中國的保險業(yè)的發(fā)展經(jīng)歷了不同的階段，但是總的看來處于相近的發(fā)展水平，研究三國保險公司的運行效率對于中國保險公司的發(fā)展具有十分重要的意義。 本文利用DEA效率評價體系對日本、韓國和中國各四家人壽保險公司的效率進行對比分析。通過CCR模型和BCC模型測算出各家公司的規(guī)模且技術效率和技術效率，SCRS模型測算了各家保險公司的超效率指標，使用這三個指標比較保險公司的運行效率。最后本文根據(jù)DEA模型的投影定理找到低效率的保險公司的優(yōu)化途徑。 本文的主要結論有：（1）韓國保險公司平均效率水平最高，日本保險公司平均效率最低，中國保險公司與韓國保險公司不存在明顯差距。（2）中國保險公司之間的效率水平差別很大，中型保險公司效率水平提高很快。（3）韓國保險公司的超效率水平全面超過日本保險公司，相比之下具有明顯優(yōu)勢。（4）日本保險公司的投入比相對有效面上的投入多很多，欲提高保險公司效率需從保險公司投入方面入手。 韓國、日本、中國保險公司的效率比較能夠為中國保險公司的發(fā)展提供一些啟示：（1）保險市場對國外保險公司開放無礙中國保險公司的發(fā)展。從本文的效率指標上看，中國保險公司的技術效率不低于國際化大型保險公司，并且相對一些老牌保險公司更為優(yōu)秀，引入國外保險公司會對國內(nèi)保險公司形成較大沖擊的言論過于消極。（2）國內(nèi)保險公司應適當走出國門，向國際化大型保險公司發(fā)展。國內(nèi)大型保險公司的效率并不低于國外保險公司，當在國內(nèi)保險市場發(fā)展受挫的情況下，可以積極進取海外保險市場，積極拓展海外保險業(yè)務。（3）控制運營成本，提高投資收益。與韓國保險公司相比，中國保險公司仍然存在較大的差距，中國保險公司應該努力減少勞動力成本和一般營運費用，同時設立專業(yè)資產(chǎn)管理機構進行投資業(yè)務，提高保險公司投資收益。（4）中小保險公司應該抓住機遇，迅速擴張。中國保險公司之間相比較，大型保險公司的技術效率并不優(yōu)于中型保險公司，，中小型保險公司應利用已有資源，迅速擴張，積極與大型保險公司和外資保險公司競爭。
[Abstract]:Asian economy plays an important role in the development of world economy. Japan is located in East Asia. Korea and China, as the main body of Asian economy, have great influence on the world economy. As one of the pillar industries of economy, insurance industry is the most basic and important means of modern life risk management, which plays a very important role in social economy. The development of insurance industry in Japan, Korea and China has experienced different stages, but generally it is at a similar level of development. It is of great significance to study the operational efficiency of insurance companies in these three countries for the development of Chinese insurance companies. This paper compares the efficiency of four life insurance companies in Japan, Korea and China by using DEA efficiency evaluation system. The scale, technical efficiency and technical efficiency of each company are calculated by CCR model and BCC model. The super-efficiency index of insurance company is calculated by SCRS model, and the operation efficiency of insurance company is compared by using these three indexes. Finally, according to the projection theorem of DEA model, this paper finds the optimization way of low efficiency insurance company. The main conclusions of this paper are as follows: (1) the average efficiency of Korean insurance companies is the highest, and the average efficiency of Japanese insurance companies is the lowest. There is no obvious difference between Chinese insurance companies and Korean insurance companies. (2) the level of efficiency of Chinese insurance companies varies greatly. The level of efficiency of medium-sized insurance companies has increased rapidly. (3) the level of super-efficiency of Korean insurance companies is completely higher than that of Japanese insurance companies. (4) the investment of the Japanese insurance company is much more than that of the relative effective surface. To improve the efficiency of the insurance company, we should start with the investment of the insurance company. The efficiency comparison of Korean, Japanese and Chinese insurance companies can provide some enlightenment for the development of Chinese insurance companies: (1) the opening of the insurance market to foreign insurance companies will not hinder the development of Chinese insurance companies. Judging from the efficiency index of this paper, the technical efficiency of Chinese insurance companies is not lower than that of large international insurance companies, and it is better than some old insurance companies. It is too negative that the introduction of foreign insurance companies will make a big impact on the domestic insurance companies. (2) the domestic insurance companies should properly go abroad and develop to international large insurance companies. The efficiency of large domestic insurance companies is not lower than that of foreign insurance companies. When the development of the domestic insurance market is frustrated, they can actively forge ahead with the overseas insurance market and actively expand their overseas insurance business. (3) controlling operating costs. Raise the return on investment. Compared with Korean insurance companies, Chinese insurance companies still have a big gap. Chinese insurance companies should strive to reduce labor costs and general operating expenses, while setting up specialized asset management agencies to carry out investment business. Improve the investment income of insurance companies. (4) small and medium-sized insurance companies should seize the opportunity and expand rapidly. Compared with the Chinese insurance companies, the technical efficiency of the large insurance companies is not better than that of the medium-sized insurance companies. The small and medium-sized insurance companies should make use of the available resources, expand rapidly and actively compete with the large insurance companies and foreign insurance companies.
【學位授予單位】：河北工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F842.3
本文編號：2378482
[Abstract]:Asian economy plays an important role in the development of world economy. Japan is located in East Asia. Korea and China, as the main body of Asian economy, have great influence on the world economy. As one of the pillar industries of economy, insurance industry is the most basic and important means of modern life risk management, which plays a very important role in social economy. The development of insurance industry in Japan, Korea and China has experienced different stages, but generally it is at a similar level of development. It is of great significance to study the operational efficiency of insurance companies in these three countries for the development of Chinese insurance companies. This paper compares the efficiency of four life insurance companies in Japan, Korea and China by using DEA efficiency evaluation system. The scale, technical efficiency and technical efficiency of each company are calculated by CCR model and BCC model. The super-efficiency index of insurance company is calculated by SCRS model, and the operation efficiency of insurance company is compared by using these three indexes. Finally, according to the projection theorem of DEA model, this paper finds the optimization way of low efficiency insurance company. The main conclusions of this paper are as follows: (1) the average efficiency of Korean insurance companies is the highest, and the average efficiency of Japanese insurance companies is the lowest. There is no obvious difference between Chinese insurance companies and Korean insurance companies. (2) the level of efficiency of Chinese insurance companies varies greatly. The level of efficiency of medium-sized insurance companies has increased rapidly. (3) the level of super-efficiency of Korean insurance companies is completely higher than that of Japanese insurance companies. (4) the investment of the Japanese insurance company is much more than that of the relative effective surface. To improve the efficiency of the insurance company, we should start with the investment of the insurance company. The efficiency comparison of Korean, Japanese and Chinese insurance companies can provide some enlightenment for the development of Chinese insurance companies: (1) the opening of the insurance market to foreign insurance companies will not hinder the development of Chinese insurance companies. Judging from the efficiency index of this paper, the technical efficiency of Chinese insurance companies is not lower than that of large international insurance companies, and it is better than some old insurance companies. It is too negative that the introduction of foreign insurance companies will make a big impact on the domestic insurance companies. (2) the domestic insurance companies should properly go abroad and develop to international large insurance companies. The efficiency of large domestic insurance companies is not lower than that of foreign insurance companies. When the development of the domestic insurance market is frustrated, they can actively forge ahead with the overseas insurance market and actively expand their overseas insurance business. (3) controlling operating costs. Raise the return on investment. Compared with Korean insurance companies, Chinese insurance companies still have a big gap. Chinese insurance companies should strive to reduce labor costs and general operating expenses, while setting up specialized asset management agencies to carry out investment business. Improve the investment income of insurance companies. (4) small and medium-sized insurance companies should seize the opportunity and expand rapidly. Compared with the Chinese insurance companies, the technical efficiency of the large insurance companies is not better than that of the medium-sized insurance companies. The small and medium-sized insurance companies should make use of the available resources, expand rapidly and actively compete with the large insurance companies and foreign insurance companies.
【學位授予單位】：河北工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F842.3
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