【摘要】 我国财险公司的经营过程可分为保费筹集和保费运用两个相互独立、相互统一的阶段,因此,本文采用我国26家财险公司2004—2009年的面板数据,通过建立资源约束型DEA模型来评估财险公司的经营效率,以及保费筹集和保费运用两个子阶段的效率水平。研究表明,我国财险公司经营效率水平比较高,并且是由保费筹集和保费运用综合决定的,而保费筹集效率比保费运用效率要相对低一些,因而,在资源分配方面,使得各项输入的资源在保费筹集阶段的最优投入比例应小于保费运用阶段。更多还原

【Abstract】 In view of Chinese property-insurance companies’ unique operating processes,we decompose them as premiums-collecting and premiums-using,which are independent and integrated.Thus,this paper measures the efficiencies of operating as well as premiums-collecting and premiums-using for the 26 property-insurance companies in China from 2004 to 2009 by using a resource-constrained DEA model.We find out that,for the Chinese property insurance companies,the operating efficiencies,which are determined by premiums-collecting and premiums-using stages,are relatively big,and the premiums-collecting efficiencies are higher than the premiums-using efficiencies,which makes the optimal proportion of investments smaller in the premiums-collecting stage.更多还原