| 我国合资寿险公司效率的实证研究——基于Tobit广义线性模型 |
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| 引用本文： | 何小伟,谢远涛.我国合资寿险公司效率的实证研究——基于Tobit广义线性模型[J].财经理论与实践,2013,34(1):16-20. |
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| 作者姓名： | 何小伟 谢远涛 |
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| 作者单位： | 对外经济贸易大学保险学院,北京,100029 |
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| 基金项目： | 2012年中国保险监管教保人身保险高校课题研究基金、对外经济贸易大学保险等重点学科建设项目 |
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| 摘 要： | 通过测算2005～2009年我国17家合资寿险公司的超效率和Malmquist指数,利用Tobit的广义线性模型检验其效率的影响因素。结果发现:2005～2009年,我国合资寿险公司技术效率的整体得分在逐步提升,各公司之间的技术效率差距在逐渐缩小;分支机构的开设数量、团险业务的保费收入占比、寿险业务的保费收入占比均对合资寿险公司的效率有着显著的正向影响,而寿险市场的集中度则对合资寿险公司的效率有着显著的负向影响。
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| 关 键 词： | 合资寿险公司 效率 超效率 Malmquist指数 影响因素 |
The Efficiency of Joint-venture Life Insurer in China: Based on Tobit Generalized Linear Models |
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| HE Xiao-wei,XIE Yuan-tao.The Efficiency of Joint-venture Life Insurer in China: Based on Tobit Generalized Linear Models[J].The Theory and Practice of Finance and Economics,2013,34(1):16-20. |
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| Authors: | HE Xiao-wei XIE Yuan-tao |
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| Institution: | (School of Insurance,University of International Business and Economics,Beijing 100029,China) |
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| Abstract: | The super efficiency and the Malmquist Index of 17 joint-venture life insurance companies in China are measured in the paper. And the influence factors of the super efficiency are tested based on Tobit model. There are two major findings in this paper. Firstly, the overall efficiency of joint venture life insurers has improved and the gaps among these companies have decreased from 2005 to 2009. Secondly, the number of branches, the percentage of group life insurance premium to all premium, and the percentage of life insurance premium to all premium have significant positive effects on the joint-venture life insurers'' efficiency. However, the market concentration rate of life insurance market has significant negative effects on joint venture life insurers'' efficiency. |
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