發(fā)布時間：2018-07-07 21:43

  本文選題：保險業(yè)效率 + 非參數(shù)法��； 參考：《浙江理工大學(xué)》2017年碩士論文

【摘要】：保險業(yè)效率研究存在效率測度方法不一、投入產(chǎn)出指標(biāo)選擇混亂等問題。本文在綜述前沿文獻(xiàn)基礎(chǔ)上指出:(1)在考慮保險行業(yè)的效率前沿面時,由于參數(shù)方法在模型選擇上的缺陷,非參數(shù)法在目前的學(xué)術(shù)研究上擁有更多優(yōu)勢;(2)保險公司在實現(xiàn)經(jīng)濟(jì)目標(biāo)的同時承擔(dān)了社會保障功能,這是保險公司效率測度中投入產(chǎn)出指標(biāo)選擇“千差萬別”的根源,(3)本文結(jié)合產(chǎn)出指標(biāo)界定方法,從盈利和生產(chǎn)兩個角度提出了兩套確定投入產(chǎn)出指標(biāo)的體系。本文在結(jié)合新的投入產(chǎn)出指標(biāo)體系的基礎(chǔ)上,按照前人的研究思路,本文先采用DEA的效率測度方法對文中選取的中國77家保險公司進(jìn)行初步測度,發(fā)現(xiàn)兩個指標(biāo)體系的結(jié)果差距較大:業(yè)務(wù)角度的效率結(jié)果明顯優(yōu)于利潤角度的效率結(jié)果,僅僅只有9家保險公司是業(yè)務(wù)角度和利潤角度的測度下同時效率值為1的,在所有參與測度的保險公司中占比11.69%。我們有理由相信中國保險公司的效率待提升的空間還是很大的。由于DEA方法本身是將所有投入要素視為一個統(tǒng)一整體,從而測度出決策單元在多種要素進(jìn)行綜合利用之后進(jìn)行生產(chǎn)以實現(xiàn)最大化產(chǎn)出的能力與程度,但是并沒有對每一個要素進(jìn)行區(qū)分。隨著方向性距離函數(shù)的產(chǎn)生,可以將投入要素對產(chǎn)出的影響納入到效率的分析框架中。因此,我們在傳統(tǒng)的盧恩伯格生產(chǎn)率指數(shù)的基礎(chǔ)上對其進(jìn)行改進(jìn),引入投入冗余生產(chǎn)率指數(shù)(ISP),ISP生產(chǎn)率指數(shù)能將投入導(dǎo)向型方向性距離函數(shù)融入F?re-Lovell效率測度方法,并對單一的投入要素生產(chǎn)率的變化情況進(jìn)行估計。本文為了進(jìn)一步計算每個指標(biāo)體系下的單個要素的生產(chǎn)率的變化情況,對中國77家保險公司的全要素生產(chǎn)率進(jìn)行再測度,基于ISP方法的運用,本文得出了以下幾個方面的結(jié)論:一是外資保險公司效率比中資保險公司的效率更高,公司治理模式可能是一大原因。由于外資保險公司在管理上沿用的是“直線式”的管理結(jié)構(gòu),工作指令的傳達(dá)和實施以及結(jié)果的反饋更有時效性;而中資保險公司在進(jìn)行公司治理的時候沿用的是“扁平化”的管理模式,員工內(nèi)部的溝通缺乏有效性,指令的傳達(dá)得不到及時的反饋,工作的替代成本增加,這些都是導(dǎo)致保險公司在效率競爭上處于劣勢的原因。二是中國保險公司的效率正在發(fā)生退化現(xiàn)象,都邦財產(chǎn)保險公司是這些保險公司中表現(xiàn)最差的保險公司。從利潤角度來看勞動力生產(chǎn)率對中國保險業(yè)的全要素生產(chǎn)率的貢獻(xiàn)最低;而從業(yè)務(wù)角度來看,資本生產(chǎn)率對中國保險行業(yè)全要素生產(chǎn)率的抑制作用最為明顯,盲目的擴(kuò)大公司的規(guī)模只會引起公司效率的降低。中國保險行業(yè)的效率退步現(xiàn)象的原因可能是近幾年經(jīng)濟(jì)環(huán)境的快速發(fā)展,保險公司的發(fā)展已經(jīng)進(jìn)入瓶頸期。保險公司的現(xiàn)有體制面臨巨大的挑戰(zhàn),保險公司進(jìn)行轉(zhuǎn)型發(fā)展的需求越來越明顯。保險公司越早進(jìn)行體制轉(zhuǎn)型,通過提升效率優(yōu)勢搶占市場,就越能在經(jīng)濟(jì)發(fā)展浪潮中占有一席之地。三是東部地區(qū)保險公司的效率波動較大。出現(xiàn)這種情況的原因是因為東部發(fā)達(dá)地區(qū)保險公司發(fā)展較為成熟,在不進(jìn)行體制改革的情況下,保險公司的效率并不能得到長遠(yuǎn)的發(fā)展,因此,效率退步是保險公司的必然表現(xiàn)。而相對中部地區(qū)來說,西部地區(qū)保險公司的“表現(xiàn)”更有優(yōu)勢,這是因為,在西部欠發(fā)達(dá)地區(qū),隨著經(jīng)濟(jì)的發(fā)展,保險公司存在規(guī)模優(yōu)勢,雖然整體行業(yè)的效率在退步,但是由于存在規(guī)模效應(yīng),因此,西部地區(qū)保險公司的效率波動反而呈現(xiàn)更為平穩(wěn)的狀態(tài)。四是增加勞動力對保險公司的利潤提升有限,從業(yè)務(wù)角度來看,還會抑制保險公司的全要素生產(chǎn)率,這種現(xiàn)象在我國西部地區(qū)最為明顯。勞動力的投入對保險公司全要素生產(chǎn)率的這種抑制作用產(chǎn)生的原因是由于保險公司內(nèi)部的人浮于事。保險公司內(nèi)部的人事結(jié)構(gòu)的不完善、龐大的管理層和行政類員工的投入是勞動力生產(chǎn)率為負(fù)的主要原因。而中國發(fā)達(dá)地區(qū)吸引了大量高素質(zhì)人才,對于經(jīng)濟(jì)欠發(fā)達(dá)地區(qū)而言不利于該地區(qū)提升其勞動力的邊際生產(chǎn)率。五是從業(yè)務(wù)角度來看中國保險公司的全要素生產(chǎn)率,東部地區(qū)的資本投入存在巨大的“浪費”,保險公司在各個地區(qū)的資本投入規(guī)模嚴(yán)重超過了其在每個地區(qū)的最優(yōu)投入規(guī)模,造成了大量資源閑置,從而增加了資本投入要素對全要素生產(chǎn)率的抑制作用。六是西部地區(qū)的保險代理投入可以有效增加該地區(qū)保險公司的全要素生產(chǎn)率,保險代理在經(jīng)濟(jì)發(fā)達(dá)地區(qū)還可以適當(dāng)?shù)脑黾觼碓黾颖ｋU公司的全要素生產(chǎn)率,但是需審慎而為,在中部和西部地區(qū)的保險公司,還可以大量增加保險代理人的數(shù)量,來提升本地區(qū)保險公司的全要素生產(chǎn)率。
[Abstract]:In the study of the efficiency of insurance industry, the efficiency measure method is different and the input and output index selection is confused. On the basis of the literature review, this paper points out that (1) when considering the efficiency frontier of the insurance industry, the non parametric method has more advantages in the current academic research due to the defect of the parameter method in the model selection; (2) the insurance public. At the same time, the company assumes the social security function while realizing the economic target. This is the root of the selection of input-output indicators in the efficiency measure of the insurance company. (3) this paper puts forward two sets of system for determining input-output indicators from two points of view of profit and production. On the basis of the index system, according to the previous research ideas, this paper first uses the DEA efficiency measure to measure the 77 insurance companies in China, and finds that the results of the two index systems have a large gap: the efficiency results of the business angle are obviously superior to the efficiency results of the profit angle, only 9 insurance companies are the industry. The simultaneous efficiency value is 1 under the measure of the angle of service and profit. In all the insurance companies involved in the measure, we have reason to believe that the space for the efficiency of the Chinese insurance company to be promoted is still very large. Since the DEA method itself is to consider all the input elements as a unified whole, we can measure the decision unit in many kinds of 11.69%.. The ability and degree of production to maximize output after the comprehensive utilization of elements, but there is no distinction between each element. With the generation of the directional distance function, the impact of the input factor on the output can be incorporated into the analysis framework of efficiency. Therefore, we are in the base of the traditional Rune Berg productivity index. On the basis of the improvement, the input redundancy productivity index (ISP) is introduced, and the ISP productivity index can integrate the input oriented directional distance function into the F? Re-Lovell efficiency measure and estimate the single input factor productivity. In order to calculate the productivity of individual elements in each index system, the productivity index can be calculated in this paper. The change of the total factor productivity of 77 insurance companies in China is re measured. Based on the application of the ISP method, this paper draws the following conclusions: first, the efficiency of foreign insurance companies is higher than that of the Chinese insurance companies, and the corporate governance model may be a major reason. It is a "straight line" management structure, the transmission and implementation of the work instructions and the feedback of the results are more timeliness; while the Chinese insurance companies follow the "flat" management mode when they are doing corporate governance, the communication within the staff is lack of effectiveness, the transmission of the instructions is not timely feedback, and the replacement cost of the work is increased. All these are the reasons why the insurance companies are at a disadvantage in the efficiency competition. Two, the efficiency of the Chinese insurance companies is degenerating, and the state property insurance companies are the worst insurers in these insurance companies. From the profit point of view, the contribution of labor productivity to the total factor productivity of the Chinese insurance industry is the lowest; From the point of view of business, capital productivity has the most obvious restraining effect on the total factor productivity of China's insurance industry. The scale of blind expansion of the company will only cause the reduction of the efficiency of the company. The reason for the efficiency decline of China's insurance industry may be the rapid development of the economic environment in recent years, and the development of insurance companies has already entered. The existing system of insurance companies is facing great challenges. The demand for the insurance companies to carry out the transformation and development is becoming more and more obvious. The earlier the insurance companies carry out the system transformation, the more it can seize the market by improving the efficiency advantage, the more the insurance companies can occupy a place in the wave of economic development. Three, the efficiency fluctuation of the insurance companies in the East region is larger. The reason for this is that the development of the insurance companies in the eastern developed areas is more mature and the efficiency of the insurance companies can not be developed in the long run without the reform of the system. Therefore, the efficiency is the inevitable manifestation of the insurance company. This is because, in the underdeveloped areas of the west, with the development of the economy, the insurance companies have the advantage of scale, although the efficiency of the whole industry is going back, but because of the existence of scale effect, the efficiency fluctuation of the insurance companies in the western region is more stable. Four, the increase in the profit of the insurance companies is limited by the increase of the labor force. From a business point of view, it will also inhibit the total factor productivity of insurance companies. This phenomenon is most obvious in the western part of China. The reason for the inhibition of the total factor productivity of the insurance company is due to the overriding of the insurance company. The internal personnel structure of the insurance company is incomplete and huge. The input of management and administrative staff is the main reason for the negative labor productivity, and the developed regions in China have attracted a large number of high-quality talents. For the economically underdeveloped areas, the marginal productivity of the labor force is not conducive to the region. Five is the total factor productivity of Chinese insurance companies from the business point of view, the eastern region. There is a huge "waste" of capital investment. The capital investment scale of insurance companies in each region is more than the optimal investment in each area, which causes a large amount of resources to be idle, thus increasing the inhibitory effect of the capital input factor on the total factor productivity. Six, the insurance agency investment in the western region can be effectively increased. With the total factor productivity of the insurance companies in this area, the insurance agent can also increase the total factor productivity of the insurance companies in the economically developed areas, but the insurance companies in the central and western regions can also increase the number of insurance agents in the central and western regions to enhance the total factor birth of the insurance companies in the region. Yield.
【學(xué)位授予單位】：浙江理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F224;F842.3

【相似文獻(xiàn)】

相關(guān)期刊論文 前10條

1 林東模;一種新的經(jīng)濟(jì)效益分析方法——純利潤生產(chǎn)率分析[J];外國經(jīng)濟(jì)與管理;1985年03期

2 張德霖;論生產(chǎn)率的內(nèi)涵[J];生產(chǎn)力研究;1990年06期

3 張德霖;生產(chǎn)率的系統(tǒng)分析[J];福建論壇(經(jīng)濟(jì)社會版);1990年12期

4 曲建君;;全要素生產(chǎn)率研究綜述[J];經(jīng)濟(jì)師;2007年01期

5 楊丹;戴昌鈞;;我國生產(chǎn)率研究的現(xiàn)狀解析及發(fā)展趨勢分析[J];中國科技論壇;2007年01期

6 熊鴻軍;李再躍;陳香;;關(guān)于生產(chǎn)率研究若干理論和實踐問題探析[J];科學(xué)經(jīng)濟(jì)社會;2008年03期

7 曾世宏;鄭江淮;丁輝關(guān);;國外服務(wù)業(yè)生產(chǎn)率研究:一個文獻(xiàn)綜述[J];產(chǎn)業(yè)經(jīng)濟(jì)評論;2010年02期

8 王立成;牛勇平;;山東省全要素生產(chǎn)率的測算與分析[J];山東社會科學(xué);2010年09期

9 潘丹;孔凡斌;;我國農(nóng)業(yè)全要素生產(chǎn)率差異與收斂分析——基于環(huán)境污染視角[J];江西社會科學(xué);2013年09期

10 馬天樂;劉璨;;中國林業(yè)總要素生產(chǎn)率測度與分析[J];林業(yè)經(jīng)濟(jì);1992年04期

相關(guān)會議論文 前4條

1 鄭京海;胡鞍鋼;Arne Bigsten;;中國的經(jīng)濟(jì)增長能否持續(xù)?——一個生產(chǎn)率視角[A];經(jīng)濟(jì)學(xué)（季刊）第7卷第3期[C];2008年

2 李剛;;全要素生產(chǎn)率與上市公司績效相關(guān)性研究——基于傳統(tǒng)行業(yè)與高技術(shù)行業(yè)的對比分析[A];第七屆（2012）中國管理學(xué)年會會計與財務(wù)分會場論文集（選編）[C];2012年

3 祝志勇;羅剛平;;重慶市農(nóng)業(yè)全要素生產(chǎn)率分析——基于Malmquist指數(shù)方法[A];走進(jìn)新農(nóng)村——西南大學(xué)研究生《含弘論叢》[C];2010年

4 王爭;孫柳媚;史晉川;;外資溢出對中國私營企業(yè)生產(chǎn)率的異質(zhì)性影響——來自普查數(shù)據(jù)的證據(jù)[A];經(jīng)濟(jì)學(xué)（季刊）第8卷第1期[C];2008年

相關(guān)重要報紙文章 前2條

1 羅海成;關(guān)注顧客導(dǎo)向的服務(wù)生產(chǎn)率[N];天津日報;2004年

2 王燕坊;鄭京海：中國經(jīng)濟(jì)增長的可持續(xù)性：一個生產(chǎn)率視角[N];中國社會科學(xué)院院報;2007年

相關(guān)博士學(xué)位論文 前10條

1 袁丹;產(chǎn)業(yè)集聚視角下生產(chǎn)性服務(wù)業(yè)效率的差異性分析[D];陜西師范大學(xué);2015年

2 吳曉華;中國碳生產(chǎn)率地區(qū)差異研究[D];哈爾濱理工大學(xué);2015年

3 潘江;典型手性藥物砌塊酶促合成過程生產(chǎn)率強化關(guān)鍵技術(shù)研究[D];華東理工大學(xué);2015年

4 傅東平;中國生產(chǎn)率的變化及其影響因素研究[D];華中科技大學(xué);2009年

5 李星光;中國石化產(chǎn)業(yè)全要素生產(chǎn)率研究[D];大連理工大學(xué);2010年

6 魏梅;區(qū)域經(jīng)濟(jì)增長中的生產(chǎn)率與產(chǎn)業(yè)結(jié)構(gòu)研究[D];蘭州大學(xué);2008年

7 李玲;中國工業(yè)綠色全要素生產(chǎn)率及影響因素研究[D];暨南大學(xué);2012年

8 鄭明海;開放經(jīng)濟(jì)下中國金融發(fā)展的生產(chǎn)率效應(yīng)研究[D];浙江大學(xué);2008年

9 韓妍;中國工業(yè)全要素生產(chǎn)率區(qū)域差異性研究[D];蘭州大學(xué);2009年

10 鄭文;金融發(fā)展對中國全要素生產(chǎn)率的影響及其作用機(jī)制研究[D];華中科技大學(xué);2013年

相關(guān)碩士學(xué)位論文 前10條

1 周子橋;黑龍江省林業(yè)全要素生產(chǎn)率研究[D];東北林業(yè)大學(xué);2015年

2 申春駿;延邊州耕種型農(nóng)業(yè)機(jī)械效率分析[D];延邊大學(xué);2015年

3 申婷;重慶市生產(chǎn)性服務(wù)業(yè)全要素生產(chǎn)率變動及影響因素研究[D];西南大學(xué);2015年

4 葉良益;我國東中西部農(nóng)業(yè)全要素生產(chǎn)率比較研究[D];廣東財經(jīng)大學(xué);2015年

5 張瑩瑩;金融錯配、所有制結(jié)構(gòu)與全要素生產(chǎn)率[D];南京理工大學(xué);2015年

6 黃衛(wèi)平;產(chǎn)業(yè)集聚對碳生產(chǎn)率的動態(tài)影響研究[D];南京財經(jīng)大學(xué);2015年

7 王建科;碳生產(chǎn)率改進(jìn)空間及其影響因素研究[D];南京財經(jīng)大學(xué);2015年

8 孟令久;信息化影響我國服務(wù)業(yè)生產(chǎn)率的理論與實證研究[D];南京財經(jīng)大學(xué);2015年

9 王唯樸;重慶制造業(yè)全要素生產(chǎn)率測度及影響因素研究[D];重慶工商大學(xué);2015年

10 歐陽婉樺;中國省份工業(yè)綠色全要素生產(chǎn)率測度及影響因素分析[D];重慶工商大學(xué);2015年

，

本文編號：2106366