本文關鍵詞：我國財產保險公司綜合費用率影響因素的實證分析　出處：《西南財經大學》2016年碩士論文　論文類型：學位論文

  更多相關文章： 財產保險公司 綜合費用率 SCP范式 影響因素

【摘要】：我國自1978年實施改革開放,1980年恢復國內保險業(yè)務,2001年加入WTO,尤其是2006年保險業(yè)實施全面對外開放以來,財產保險業(yè)有了快速發(fā)展。截止到2015年底,財險公司總資產規(guī)模達18481.13億元,較2006年總資產的2340.45億元增長了7.89倍；財險公司原保險業(yè)務保費收入7994.97億元,較2006年的1510.04億元增長了5.29倍1；中資財產保險公司數(shù)量達51家,較2006年的23家增長了2.22倍。與此同時,經過多年的快速發(fā)展我國相當一部分財險公司積累的問題與矛盾也開始顯現(xiàn)出來,給財產保險的發(fā)展面帶來較大的障礙。目前比較突出的現(xiàn)象就是綜合費用率2偏高,綜合費用率支出較多；保險產品單一,產品與服務創(chuàng)新能力不強；市場結構較為集中等。這些問題勢必會給市場的持續(xù)發(fā)展帶來不利影響。特別是財險業(yè)經營過程中綜合費用率支出這一核心問題,截止到2014年年底,我國財產保險公司的綜合費用率為36.31%3,綜合費用率支出問題已經成為關乎到財產保險公司償付能力提升、能否創(chuàng)造效益和提高績效的關鍵。而這個問題的解決需要從理論上分析其產生根源,并從實證的角度分析其可能的影響因素。本文認為我國財產保險公司的綜合費用率情況是能夠真實反映市場競爭態(tài)勢、企業(yè)行為并最終決定財產保險公司的市場績效的重要數(shù)據,本文運用產業(yè)組織學的SCP范式的理論與研究方法,同時有效結合了我國財險市場的實際情況,在產業(yè)組織理論框架下,以實證研究為主要手段,通過從市場結構和市場行為等方面來探求我國財產保險業(yè)綜合費用率支出高啟,最終導致財險保險公司市場績效低下的影響因素。本文先通過對我國17家財險公司從2007年到2014年的綜合費用率進行初步的統(tǒng)計,得出我國目前財險公司的綜合費用率偏高,接著運用SCP范式,從市場結構和市場行為以及行業(yè)監(jiān)管政策這幾個因素中選取變量進行實證分析,選取的因素包括保費收入占比、固定資產比例、車險保費增長率、公司成立年限以及政策,并對此進行假設。實證分析的結果是保費收入占比與財險綜合費用率成正比,說明財險市場集中度過高,市場競爭不充分；固定資產比例綜合費用率成正比,說明財險公司盲目擴張機構的粗放經營方式會對經營績效產生不好的影響；車險保費增長率占比與綜合費用率成正比,說明我國財險公司業(yè)務結構不合理,產品同質化現(xiàn)象嚴重,各家公司紛紛采取“價格戰(zhàn)”、“暗補貼”等手段,致使綜合費用率居高不下；代表經營理念的企業(yè)成立年限指標與綜合費用率成反比,說明我國的財險公司,包括成立年限較久的公司,采取先進經營理念慣性較強、影響了財險公司的綜合費用率。至于產業(yè)監(jiān)管政策這重要因素對我國財險公司費用的影響是正相關。在接下來的章節(jié)里,本文根據上述實證分析結果,從市場結構、市場行為、以及產業(yè)政策幾個方面對我國財險公司和監(jiān)管機構提出一些針對性的對策及建議。
[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.

【學位授予單位】：西南財經大學
【學位級別】：碩士
【學位授予年份】：2016
【分類號】：F842.3

【引證文獻】

相關期刊論文 前1條

1 吳珊;;財產保險公司企業(yè)績效及影響因素分析[J];納稅;2017年25期

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本文編號：1414168