我国保险公司资金运用效率研究

【作者】 李鹏；

【导师】 刘慧侠；

【作者基本信息】 西北大学 ， 金融学， 2011， 硕士

【摘要】 保险公司是我国金融体系重要的组成部分,在国民经济中起着重要作用,在现代金融体系的运行中,扮演着风险分担、资金融通、稳定社会等重要角色。在当代各国保险市场上,如果说提供保险保障和开展保险业务是保险公司产生和生存的基础,那么,保险资金运用则是保险公司生存、发展和壮大的重要保证。因此,在开放条件下,任何保险公司要想在保险市场上求得生存与发展,都必须高度重视保险资金运用。中国的保险业在近30年来取得了快速发展,截止到2009年末我国共有148家各类保险公司,资产总额达到了40634.75亿元。近几年来,随着我国保险业的快速发展,外资保险公司不断进入和国内新的保险公司设立使得保险业竞争日趋激烈,保费收人在经过高速增长以后有下降的趋势,中国保险业承保业务的利润率在下降,这使得保险公司通过保险资金运用并创造收益显得十分必要。那么,如何有效使用保险资金,不断提高保险资金运用效率,成为关系我国保险业生存与发展的关键问题。本文首先对本文研究的背景、目的、意义、思路和方法进行了简单说明；其次对保险公司资金运用相关理论进行了梳理,主要包括保险公司资金运用的可能性、必要性、来源、原则和渠道以及对效率进行测量的相关理论,为本文后续研究奠定了理论基础；再次对我国保险公司资金运用历史及现状进行了分析,总结为4个阶段和4点现状；之后对我国保险公司资金运用效率进行分析,采用随机前沿分析法对2005-2009年期间、65家保险公司为代表的我国保险公司资金运用效率进行了测算,观察效率水平的变化和现状。在测算得到保险公司资金运用效率的基础上,本文从保险公司内部出发分人员和公司规模两个方面对影响效率的因素进行分析；最后,基于本文实证分析的结果,对保险公司进一步提高资金运用效率从以下几个方面提出建议：拓宽保险资金运用渠道；提高保险公司资金运用监管水平；加强保险资金运用人才储备,为未来保险资金运用的进一步发展奠定人才基础。更多还原

【Abstract】 The insurance companies as an important part in the national economy plays an important role in China’s financial system and plays a risk-sharing, financing, and other important role in social stability in the modern financial system. In contemporary national insurance market, if providing insurance coverage and insurance business is the base of production and survival of insurance, then the use of insurance funds is the insurance company survival, development and growth of the important guarantee. Therefore, in open conditions, any insurance company in order to survive in the insurance market and development, must attach great importance to the insurance funds. China’s insurance industry in the past 30 years has achieved rapid development, as of the end of 2009 a total of 148 various types of insurance companies, total assets reached 4.063475 trillion yuan. In recent years, with the rapid development of China’s insurance industry, that foreign insurance companies continue to enter and the new insurance companies were set up makes the increasingly competitive insurance industry. Premium income have a downward trend after China’s insurance industry underwriting profit margin on the decline, which makes use of insurance funds by insurance companies and create income. It is extremely necessary. So, how effective use of insurance funds and improve the efficiency of insurance funds, as the survival of China’s insurance industry and development of key issues.This paper first studied the background, purpose, meaning, ideas and methods a brief description; Followed by the use of funds of insurance companies were combing the theory, including the possibility of insurance company funds, necessity, sources, principles and channels and to measure the efficiency of the relevant theory, the follow-up study of this paper lays a theoretical foundation; Followly the use of funds of insurance companies and analyzes the status of history, summed up in four stages and 4:00 the status quo; Followly the funds on the efficiency of insurance companies analysis, stochastic frontier analysis method used during the period 2005-2009,65 insurance companies on behalf of Insurance Companies capital efficiency was calculated to observe the changes in efficiency levels and the status quo. In the calculation of funds by insurance companies on the basis of efficiency, this article points of departure from the insurance company personnel and company size both in terms of the factors that affect the efficiency analysis; Finally, based on empirical results of the analysis, the insurance company to further improve the use of funds efficiency recommendations from the following aspects:the use of insurance funds and broaden the channels; improve the level of supervision an insurance company funds; strengthen the talent pool of insurance funds, insurance funds for the future to further develop the use of lay personnel base.更多还原