東亞三國(guó)人壽保險(xiǎn)公司效率比較研究
發(fā)布時(shí)間：2018-12-14 10:49
【摘要】：亞洲經(jīng)濟(jì)在世界經(jīng)濟(jì)發(fā)展過程中具有重要的推動(dòng)作用，地處東亞的日本、韓國(guó)和中國(guó)作為亞洲經(jīng)濟(jì)的主體對(duì)世界經(jīng)濟(jì)具有巨大的影響作用。保險(xiǎn)業(yè)作為經(jīng)濟(jì)支柱產(chǎn)業(yè)之一，是現(xiàn)代生活風(fēng)險(xiǎn)管理最基本、最重要的手段，在社會(huì)經(jīng)濟(jì)中扮演了非常重要的角色。日本、韓國(guó)和中國(guó)的保險(xiǎn)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(guó)保險(xiǎn)公司的運(yùn)行效率對(duì)于中國(guó)保險(xiǎn)公司的發(fā)展具有十分重要的意義。 本文利用DEA效率評(píng)價(jià)體系對(duì)日本、韓國(guó)和中國(guó)各四家人壽保險(xiǎn)公司的效率進(jìn)行對(duì)比分析。通過CCR模型和BCC模型測(cè)算出各家公司的規(guī)模且技術(shù)效率和技術(shù)效率，SCRS模型測(cè)算了各家保險(xiǎn)公司的超效率指標(biāo)，使用這三個(gè)指標(biāo)比較保險(xiǎn)公司的運(yùn)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(xiǎn)公司的優(yōu)化途徑。 本文的主要結(jié)論有：（1）韓國(guó)保險(xiǎn)公司平均效率水平最高，日本保險(xiǎn)公司平均效率最低，中國(guó)保險(xiǎn)公司與韓國(guó)保險(xiǎn)公司不存在明顯差距。（2）中國(guó)保險(xiǎn)公司之間的效率水平差別很大，中型保險(xiǎn)公司效率水平提高很快。（3）韓國(guó)保險(xiǎn)公司的超效率水平全面超過日本保險(xiǎn)公司，相比之下具有明顯優(yōu)勢(shì)。（4）日本保險(xiǎn)公司的投入比相對(duì)有效面上的投入多很多，欲提高保險(xiǎn)公司效率需從保險(xiǎn)公司投入方面入手。 韓國(guó)、日本、中國(guó)保險(xiǎn)公司的效率比較能夠?yàn)橹袊?guó)保險(xiǎn)公司的發(fā)展提供一些啟示：（1）保險(xiǎn)市場(chǎng)對(duì)國(guó)外保險(xiǎn)公司開放無礙中國(guó)保險(xiǎn)公司的發(fā)展。從本文的效率指標(biāo)上看，中國(guó)保險(xiǎn)公司的技術(shù)效率不低于國(guó)際化大型保險(xiǎn)公司，并且相對(duì)一些老牌保險(xiǎn)公司更為優(yōu)秀，引入國(guó)外保險(xiǎn)公司會(huì)對(duì)國(guó)內(nèi)保險(xiǎn)公司形成較大沖擊的言論過于消極。（2）國(guó)內(nèi)保險(xiǎn)公司應(yīng)適當(dāng)走出國(guó)門，向國(guó)際化大型保險(xiǎn)公司發(fā)展。國(guó)內(nèi)大型保險(xiǎn)公司的效率并不低于國(guó)外保險(xiǎn)公司，當(dāng)在國(guó)內(nèi)保險(xiǎn)市場(chǎng)發(fā)展受挫的情況下，可以積極進(jìn)取海外保險(xiǎn)市場(chǎng)，積極拓展海外保險(xiǎn)業(yè)務(wù)。（3）控制運(yùn)營(yíng)成本，提高投資收益。與韓國(guó)保險(xiǎn)公司相比，中國(guó)保險(xiǎn)公司仍然存在較大的差距，中國(guó)保險(xiǎn)公司應(yīng)該努力減少勞動(dòng)力成本和一般營(yíng)運(yùn)費(fèi)用，同時(shí)設(shè)立專業(yè)資產(chǎn)管理機(jī)構(gòu)進(jìn)行投資業(yè)務(wù)，提高保險(xiǎn)公司投資收益。（4）中小保險(xiǎn)公司應(yīng)該抓住機(jī)遇，迅速擴(kuò)張。中國(guó)保險(xiǎn)公司之間相比較，大型保險(xiǎn)公司的技術(shù)效率并不優(yōu)于中型保險(xiǎn)公司，，中小型保險(xiǎn)公司應(yīng)利用已有資源，迅速擴(kuò)張，積極與大型保險(xiǎn)公司和外資保險(xiǎn)公司競(jìng)爭(zhēng)。
[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(xué)位授予單位】：河北工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842.3
本文編號(hào)：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(xué)位授予單位】：河北工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842.3
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