本文選題：外資保險公司　切入點：中資保險公司　出處：《浙江財經大學》2014年碩士論文

【摘要】：自中國加入WTO以來，保險行業(yè)蓬勃發(fā)展，外資保險公司進入步伐不斷加快，，但外資保險公司的進入程度依然較低，其中的主要原因是監(jiān)管當局的謹慎開放政策和政策上的一些限制，導致外資保險公司未能充分發(fā)揮其競爭能力，市場份額遲遲未能有所突破。本文研究的重點是外資保險公司的進入對中資保險公司效率的影響，論文中運用DEA法測算出了中資保險公司的效率，實證模型得出的結論是外資保險公司的進入對中資保險公司效率具有積極的影響，由此提出政府應該加大引入外資保險公司力度的主張。 本文運用經濟學、金融學、運籌學的有關理論，分析了外資保險公司進入中國的現(xiàn)實，用理論與實證研究結合的方法，對外資保險公司進入給中資保險公司效率帶來的影響展開研究，從政府和中資保險公司兩個層面提出對策，按照“理論基礎-現(xiàn)狀分析-理論分析-實證分析-對策”的技術路線進行研究分析。 首先，第一章導論部分主要介紹了國內外研究的理論基礎，第二章介紹了外資保險公司的進入現(xiàn)狀，同時從理論上分析了其潛在影響。 其次，對本文測量效率的工具數(shù)據(jù)包絡分析法進行了理論分析，指出了將其運用到保險公司效率測量方面的可行性，考慮到保險公司規(guī)模報酬可變的特征，有針對性地選擇了BCC模型進行效率測算，并對運用該方法的優(yōu)勢和操作方法進行了闡述。 再次，實證部分首先從樣本的選取進行了闡述，然后重點介紹了投入、產出指標的選取，最終選擇員工人數(shù)、實收資本與資本公積之和、營業(yè)稅金及附加+業(yè)務管理費+手續(xù)費及傭金作為投入指標，選擇保險業(yè)務收入、賠付支出-攤回分保賠款+退保金+各險種給付、投資收益作為產出指標。從宏觀經濟因素、行業(yè)因素及保險公司自身因素三個層面分析其對效率的影響，為實證模型的建立奠定了基礎。 通過實證得出外資保險公司的進入無論是在當期還是滯后一期對中資保險公司效率都存在正向影響，其中當期的進入程度對效率的影響更大，外資保險公司進入程度每提升1%，中資保險公司效率可以提升9.9%，滯后一期一期進入程度每提升1%，中資保險公司效率可以提升3.9%。最后從政府層面和中資保險公司自身兩個層面提出對策。政府應該加大引入外資保險公司的力度，但要維持謹慎性原則，做到循序漸進，不能盲目，同時可以有針對性地區(qū)分外資壽險公司和外資財險公司的市場準入。中資保險公司自身應提高自身的競爭力，要完善風險防范機制，并不斷壯大規(guī)模，擴大自身市場份額。
[Abstract]:Since China's entry into the WTO, the insurance industry has been booming, and the entry of foreign insurance companies has been accelerating, but the degree of entry of foreign insurance companies is still relatively low.The main reason is that the regulatory authorities' prudent open policy and some restrictions on policy, resulting in foreign insurance companies are unable to give full play to their competitiveness, market share has not been able to break through.This paper focuses on the impact of the entry of foreign insurance companies on the efficiency of Chinese insurance companies. The paper uses the DEA method to calculate the efficiency of Chinese insurance companies.The conclusion of the empirical model is that the entry of foreign insurance companies has a positive impact on the efficiency of Chinese insurance companies, so the government should strengthen the introduction of foreign insurance companies.Based on the theories of economics, finance and operational research, this paper analyzes the reality of foreign insurance companies entering China, and combines the theory with empirical research.This paper studies the impact of the entry of foreign insurance companies on the efficiency of Chinese insurance companies, and puts forward countermeasures from the two levels of government and Chinese insurance companies.According to the "theoretical basis-current situation analysis-theoretical analysis-empirical analysis-countermeasures" technical route to research and analysis.First of all, the first chapter introduces the theoretical basis of domestic and foreign research, the second chapter introduces the current situation of foreign insurance companies, and analyzes its potential impact theoretically.Secondly, the paper makes a theoretical analysis of the tool data Envelopment Analysis method for measuring efficiency, and points out the feasibility of applying it to the efficiency measurement of insurance companies, taking into account the characteristics of variable returns on scale of insurance companies.The BCC model is chosen to measure the efficiency and the advantages and operation methods of using this method are described.Thirdly, the empirical part first elaborates from the sample selection, then focuses on the selection of input, output indicators, the final choice of the number of employees, the sum of paid-in capital and capital reserves.Operating tax and additional business management fee and commission are taken as input index, insurance business income is selected, pay-expense is compensated, reinsurance indemnity is paid, and investment income is taken as output index.This paper analyzes the effects of macroeconomic factors, industry factors and insurance companies' own factors on efficiency, which lays a foundation for the establishment of empirical model.Through empirical analysis, it is concluded that the entry of foreign insurance companies has a positive impact on the efficiency of Chinese insurance companies, whether in the current period or in a lag period, in which the degree of entry in the current period has a greater impact on efficiency.For each increase in the degree of entry of foreign insurance companies, the efficiency of Chinese insurance companies can be improved by 9.9 percent, while that of Chinese insurance companies can be improved by 3.9 percent for each increase in the level of entry in the first phase.Finally, from the government level and the Chinese insurance company itself two levels of countermeasures.The government should strengthen the introduction of foreign-funded insurance companies, but it should maintain the principle of caution, so as to step by step, not blindly, and at the same time, it can distinguish the market access of foreign-funded life insurance companies and foreign-funded property insurance companies in a targeted way.Chinese insurance companies should improve their own competitiveness, improve the risk prevention mechanism, and expand their market share.
【學位授予單位】：浙江財經大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F842.3

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