發(fā)布時(shí)間：2018-01-12 12:06

  本文關(guān)鍵詞：我國(guó)財(cái)產(chǎn)保險(xiǎn)公司綜合費(fèi)用率影響因素的實(shí)證分析　出處：《西南財(cái)經(jīng)大學(xué)》2016年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 財(cái)產(chǎn)保險(xiǎn)公司 綜合費(fèi)用率 SCP范式 影響因素

【摘要】：我國(guó)自1978年實(shí)施改革開放,1980年恢復(fù)國(guó)內(nèi)保險(xiǎn)業(yè)務(wù),2001年加入WTO,尤其是2006年保險(xiǎn)業(yè)實(shí)施全面對(duì)外開放以來(lái),財(cái)產(chǎn)保險(xiǎn)業(yè)有了快速發(fā)展。截止到2015年底,財(cái)險(xiǎn)公司總資產(chǎn)規(guī)模達(dá)18481.13億元,較2006年總資產(chǎn)的2340.45億元增長(zhǎng)了7.89倍；財(cái)險(xiǎn)公司原保險(xiǎn)業(yè)務(wù)保費(fèi)收入7994.97億元,較2006年的1510.04億元增長(zhǎng)了5.29倍1；中資財(cái)產(chǎn)保險(xiǎn)公司數(shù)量達(dá)51家,較2006年的23家增長(zhǎng)了2.22倍。與此同時(shí),經(jīng)過多年的快速發(fā)展我國(guó)相當(dāng)一部分財(cái)險(xiǎn)公司積累的問題與矛盾也開始顯現(xiàn)出來(lái),給財(cái)產(chǎn)保險(xiǎn)的發(fā)展面帶來(lái)較大的障礙。目前比較突出的現(xiàn)象就是綜合費(fèi)用率2偏高,綜合費(fèi)用率支出較多；保險(xiǎn)產(chǎn)品單一,產(chǎn)品與服務(wù)創(chuàng)新能力不強(qiáng)；市場(chǎng)結(jié)構(gòu)較為集中等。這些問題勢(shì)必會(huì)給市場(chǎng)的持續(xù)發(fā)展帶來(lái)不利影響。特別是財(cái)險(xiǎn)業(yè)經(jīng)營(yíng)過程中綜合費(fèi)用率支出這一核心問題,截止到2014年年底,我國(guó)財(cái)產(chǎn)保險(xiǎn)公司的綜合費(fèi)用率為36.31%3,綜合費(fèi)用率支出問題已經(jīng)成為關(guān)乎到財(cái)產(chǎn)保險(xiǎn)公司償付能力提升、能否創(chuàng)造效益和提高績(jī)效的關(guān)鍵。而這個(gè)問題的解決需要從理論上分析其產(chǎn)生根源,并從實(shí)證的角度分析其可能的影響因素。本文認(rèn)為我國(guó)財(cái)產(chǎn)保險(xiǎn)公司的綜合費(fèi)用率情況是能夠真實(shí)反映市場(chǎng)競(jìng)爭(zhēng)態(tài)勢(shì)、企業(yè)行為并最終決定財(cái)產(chǎn)保險(xiǎn)公司的市場(chǎng)績(jī)效的重要數(shù)據(jù),本文運(yùn)用產(chǎn)業(yè)組織學(xué)的SCP范式的理論與研究方法,同時(shí)有效結(jié)合了我國(guó)財(cái)險(xiǎn)市場(chǎng)的實(shí)際情況,在產(chǎn)業(yè)組織理論框架下,以實(shí)證研究為主要手段,通過從市場(chǎng)結(jié)構(gòu)和市場(chǎng)行為等方面來(lái)探求我國(guó)財(cái)產(chǎn)保險(xiǎn)業(yè)綜合費(fèi)用率支出高啟,最終導(dǎo)致財(cái)險(xiǎn)保險(xiǎn)公司市場(chǎng)績(jī)效低下的影響因素。本文先通過對(duì)我國(guó)17家財(cái)險(xiǎn)公司從2007年到2014年的綜合費(fèi)用率進(jìn)行初步的統(tǒng)計(jì),得出我國(guó)目前財(cái)險(xiǎn)公司的綜合費(fèi)用率偏高,接著運(yùn)用SCP范式,從市場(chǎng)結(jié)構(gòu)和市場(chǎng)行為以及行業(yè)監(jiān)管政策這幾個(gè)因素中選取變量進(jìn)行實(shí)證分析,選取的因素包括保費(fèi)收入占比、固定資產(chǎn)比例、車險(xiǎn)保費(fèi)增長(zhǎng)率、公司成立年限以及政策,并對(duì)此進(jìn)行假設(shè)。實(shí)證分析的結(jié)果是保費(fèi)收入占比與財(cái)險(xiǎn)綜合費(fèi)用率成正比,說(shuō)明財(cái)險(xiǎn)市場(chǎng)集中度過高,市場(chǎng)競(jìng)爭(zhēng)不充分；固定資產(chǎn)比例綜合費(fèi)用率成正比,說(shuō)明財(cái)險(xiǎn)公司盲目擴(kuò)張機(jī)構(gòu)的粗放經(jīng)營(yíng)方式會(huì)對(duì)經(jīng)營(yíng)績(jī)效產(chǎn)生不好的影響；車險(xiǎn)保費(fèi)增長(zhǎng)率占比與綜合費(fèi)用率成正比,說(shuō)明我國(guó)財(cái)險(xiǎn)公司業(yè)務(wù)結(jié)構(gòu)不合理,產(chǎn)品同質(zhì)化現(xiàn)象嚴(yán)重,各家公司紛紛采取“價(jià)格戰(zhàn)”、“暗補(bǔ)貼”等手段,致使綜合費(fèi)用率居高不下；代表經(jīng)營(yíng)理念的企業(yè)成立年限指標(biāo)與綜合費(fèi)用率成反比,說(shuō)明我國(guó)的財(cái)險(xiǎn)公司,包括成立年限較久的公司,采取先進(jìn)經(jīng)營(yíng)理念慣性較強(qiáng)、影響了財(cái)險(xiǎn)公司的綜合費(fèi)用率。至于產(chǎn)業(yè)監(jiān)管政策這重要因素對(duì)我國(guó)財(cái)險(xiǎn)公司費(fèi)用的影響是正相關(guān)。在接下來(lái)的章節(jié)里,本文根據(jù)上述實(shí)證分析結(jié)果,從市場(chǎng)結(jié)構(gòu)、市場(chǎng)行為、以及產(chǎn)業(yè)政策幾個(gè)方面對(duì)我國(guó)財(cái)險(xiǎn)公司和監(jiān)管機(jī)構(gòu)提出一些針對(duì)性的對(duì)策及建議。
[Abstract]:Since China's reform and opening in 1978 1980, restored the domestic insurance business in 2001 to join WTO, especially the implementation of full opening of the insurance industry since 2006, the property insurance industry has made rapid development. By the end of 2015, the total assets of insurance companies amounted to 1 trillion and 848 billion 113 million yuan, 234 billion 45 million yuan of total assets in 2006 compared with an increase of 7.89 times; insurance the original insurance premium income of 799 billion 497 million yuan, 151 billion 4 million yuan in 2006 increased by 5.29 times 1; the number of Chinese property insurance companies reached 51, compared with 23 in 2006 increased by 2.22 times. At the same time, the problems and contradictions after years of rapid development of China's Insurance Company accumulated a considerable part began to emerge, to development of property insurance brings great obstacles. 2 high rate currently more prominent phenomenon is the comprehensive cost rate, spending more comprehensive cost; single insurance product, and products The service innovation ability is not strong; the market structure is relatively concentrated. These problems will bring adverse effect to the sustainable development of the market. Especially the core problem of comprehensive cost expenditure rate of insurance industry in the process of operation, by the end of 2014, the comprehensive cost of property insurance company in China with the rate of 36.31%3, the comprehensive cost rate of expenditure has been related to the property insurance company solvency, can create benefits and improve the performance of the key. The solution to this problem from the theoretical analysis of its causes, and to analyze the possible influence factors from the perspective of empirical research. This paper argues that the comprehensive cost of China's property insurance rate is able to reflect the true market competition the situation, important data of enterprise behavior and ultimately decide the property insurance company's market performance, theory and Research on the using of industrial organization SCP paradigm At the same time, effective method, combined with the actual situation of the insurance market of our country, in the framework of industrial organization theory, by means of experimental research, from the aspects of market structure and market behavior to explore the property insurance industry of our country comprehensive cost expenditure rate Gao Qi, resulting in property insurance insurance insurance company low affects market performance factors. Firstly, based on the comprehensive cost of China's 17 property insurance companies from 2007 to 2014, the rate of the preliminary statistics, the current cost of insurance companies is higher, then using the SCP model, an empirical analysis of the variable selection of these factors from the market structure and market behavior and industry regulatory policies, selection factors including the premium income accounted for the proportion of fixed assets, insurance premium growth rate, the establishment of the company life and policy, and this hypothesis. The results of the empirical analysis is the premium income and the proportion of Comprehensive insurance cost rate is proportional to the description of the insurance market concentration is too high, the market competition is not sufficient; the proportion of fixed assets cost rate is proportional to the extensive management of insurance companies, that the blind expansion of institutions will have a bad impact on business performance; insurance premium growth ratio and the comprehensive cost rate is proportional to the description of the business structure China's property insurance company is not reasonable, the product homogenization phenomenon is serious, companies have adopted a "price war", "dark subsidies" means that the high rate of comprehensive cost; on behalf of business philosophy of the enterprise established life index and the comprehensive cost rate is inversely proportional to China's insurance companies, including the establishment of a long term company take the advanced management idea, strong inertia, affects the comprehensive cost of property insurance companies. As for the influence of industry regulatory policy rate of the important factors on the cost of property insurance companies in China In the following chapters, according to the above empirical analysis, we put forward some targeted countermeasures and suggestions for China's property insurance companies and regulatory agencies from the aspects of market structure, market behavior and industrial policies.

【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：F842.3

【引證文獻(xiàn)】

相關(guān)期刊論文 前1條

1 吳珊;;財(cái)產(chǎn)保險(xiǎn)公司企業(yè)績(jī)效及影響因素分析[J];納稅;2017年25期

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本文編號(hào)：1414168