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中国保险业效率结构的实证分析 被引量:33

An Empirical Research on the Efficiency of China Insurance Industry
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摘要 本文利用动态前沿模型分析中国保险业1996-2005年的成本/利润效率及规模效率的演进趋势,并研究了宏观因素和行业结构对保险业利润效率的影响。结果表明,中资保险公司的成本效率高于外资合资公司,但在利润效率上差别不大;外资合资保险公司的规模效率明显高于中资公司,而且“四大”保险公司的规模效率呈现逐年下降趋势;经济货币化和金融严格管制对保险效率产生了显著的负面影响,收入不平等的影响也显著为负;市场的过度竞争对保险效率的影响也是负面的。 Based on SFA, this paper estimates and calculates cost/profit efficiency, scale economy and their dynamic changes for China insurance industry from 1996 to 2005, and analyzes the impact of macroeconomic factors and market structure of the industry on the profit efficiency. The results show that the cost efficiency of native insurance companies is higher than that of foreign and joint veuture insurance companies, but there is no significant profit efficiency difference between the two kinds of companies. The foreign and joint veuture insurance companies have a higher scale economy than that of native companies, and the scale economy of the "big four" decreases year by year. For macroeconomic factors, the monetization of the economy, rigid control on finance, income inequality, and excessive competition in the insurance market all have significantly negative effects on the profit efficiency of China insurance industry.
作者 甘小丰
出处 《数量经济技术经济研究》 CSSCI 北大核心 2008年第7期 92-105,共14页 The Journal of Quantitative & Technical Economics
关键词 保险业 随机前沿 效率结构 Insurance Industry SFA Efficiency Structure
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