本文關(guān)鍵詞： 交強險 保費收入 賠付率 費用率 效率　出處：《湖南大學》2013年碩士論文　論文類型：學位論文

【摘要】：交強險是我國第一個由法律規(guī)定的強制性保險,其經(jīng)營狀況對于各個財產(chǎn)險公司,有著非常重要的意義：交強險作為一個險種,經(jīng)營狀況的好壞將直接影響公司整體利潤的盈虧。其經(jīng)營原則被定為“不盈不虧”,但是,這樣一種收入與支出的平衡狀態(tài)在現(xiàn)實中是十分難以達到的。若交強險經(jīng)營不善,則會嚴重沖抵掉其他險種帶來的業(yè)務(wù)收入,給公司的整體經(jīng)營帶來負面影響。本文將在對于太平洋產(chǎn)險公司交強險交強險經(jīng)營狀況進行分析的基礎(chǔ)上,著重對其經(jīng)營效率進行分析,使公司客觀、全面、立體地了解其交強險業(yè)務(wù)的經(jīng)營,以及發(fā)現(xiàn)經(jīng)營過程中遇到的問題,并為公司進一步調(diào)整業(yè)務(wù)提供理論依據(jù),具有一定的現(xiàn)實意義。 本文首先運用聚類分析法來考察整個公司交強險保費收入在區(qū)域上的聚結(jié)現(xiàn)象,進而通過對賠付率與費用率之間相關(guān)性的分析,對公司交強險業(yè)務(wù)在費用分攤過程中是否存在人為因素的干預(yù)進行了判斷；接著,運用數(shù)據(jù)包絡(luò)分析法,對各個地區(qū)分公司交強險經(jīng)營的綜合技術(shù)效率、純技術(shù)效率和規(guī)模效率進行測度與評價,指出影響公司交強險經(jīng)營效率的原因；最后,運用Malmquist指數(shù),對公司交強險經(jīng)營效率的動態(tài)變化進行分析。
[Abstract]:Traffic insurance is the first compulsory insurance provided by law in our country. Its operating condition is of great significance to all property insurance companies: as a kind of insurance, The operating condition will directly affect the profit and loss of the company as a whole. Its operating principle is "no profit, no loss", but such a balance of income and expenditure is very difficult to achieve in reality. It will seriously offset the business income brought by other kinds of insurance and bring negative impact to the overall operation of the company. Focusing on the analysis of its operating efficiency, the company can objectively, comprehensively and stereoscopically understand the operation of its traffic insurance business, and find out the problems encountered in the course of operation, and provide the theoretical basis for the company to further adjust its business. Has certain realistic significance. In this paper, we first use cluster analysis to investigate the regional convergence of premium income in the whole company, and then analyze the correlation between the compensation rate and the expense rate. The paper makes a judgment on whether there are human factors in the process of cost allocation, and then applies the data envelopment analysis method to analyze the comprehensive technical efficiency of the traffic insurance operation in each regional branch. The paper measures and evaluates the pure technical efficiency and scale efficiency, and points out the reasons that affect the management efficiency of traffic insurance. Finally, using Malmquist index, the paper analyzes the dynamic changes of the operational efficiency of traffic insurance.
【學位授予單位】：湖南大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F842.3

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