本文選題：壽險(xiǎn)公司 + 經(jīng)營狀況�。� 參考：《浙江工商大學(xué)》2013年碩士論文

【摘要】：近十年來,我國壽險(xiǎn)業(yè)發(fā)展取得了飛速進(jìn)步,保費(fèi)收入逐.年遞增,即使在金融危機(jī)對我國金融業(yè)造成嚴(yán)重沖擊的時(shí)期,我國壽險(xiǎn)業(yè)也逆風(fēng)而上,實(shí)現(xiàn)了新一輪增長高潮。金融危機(jī)的陰影漸漸淡去,我國壽險(xiǎn)業(yè)卻面臨“瓶頸"問題,甚至在2011年出現(xiàn)了保費(fèi)的負(fù)增長,各壽險(xiǎn)公司愁云滿布,試圖尋找突破“瓶頸”的方法。2012年對整個(gè)壽險(xiǎn)行業(yè)來說也是絕不是一帆風(fēng)順的一年,2012年上半年壽險(xiǎn)業(yè)繼續(xù)走低,直到下半年才有所回轉(zhuǎn),全年壽險(xiǎn)業(yè)并不景氣,各壽險(xiǎn)公司的表現(xiàn)也迥然不同。壽險(xiǎn)業(yè)與宏觀金融走勢背道而馳的原因何在哪些因素造就了壽險(xiǎn)業(yè)當(dāng)下的情勢,這些因素又是如何作用于壽險(xiǎn)公司的,進(jìn)一步地,壽險(xiǎn)公司的表現(xiàn)為何相差甚遠(yuǎn),如何理性看待壽險(xiǎn)公司的發(fā)展問題,要解決這些問題的前提是我們足夠了解哪些因素影響了我國壽險(xiǎn)公司的經(jīng)營能力,這些因素的影響路徑如何以及它們在多大程度上對我國壽險(xiǎn)公司的經(jīng)營能力產(chǎn)生影響。 本文針對這些問題,先對有關(guān)報(bào)道和統(tǒng)計(jì)結(jié)果進(jìn)行歸納總結(jié),以實(shí)際數(shù)據(jù)為依據(jù),客觀描述了我國壽險(xiǎn)業(yè)在金融危機(jī)前后出現(xiàn)“異常,,觀象的事實(shí)。接著,又系統(tǒng)地對相關(guān)文獻(xiàn)進(jìn)行了綜述,分別從宏觀和微觀兩個(gè)維度尋求能夠影響壽險(xiǎn)公司經(jīng)營能力的代表性因素,并基于時(shí)間序列數(shù)據(jù)與多元統(tǒng)計(jì)數(shù)據(jù)對代表性因素進(jìn)行實(shí)證分析,運(yùn)用實(shí)證結(jié)果詮釋了上述提出(?)一系列問題,從理論角度揭示實(shí)際現(xiàn)象,得出了有意義的看法和結(jié)論。 經(jīng)分析研究,本文主要結(jié)論有：(1)在影響壽險(xiǎn)公司經(jīng)營能力的宏觀因素中,GDP影響最大,并且在短期和長期均對其具有同向影響；利率次之,在短期和長期對其具有反向影響。通貨膨脹率在短期對其有同向影響,長期影響則不確定；上證指數(shù)在短期對其有反向影響,長期影響也不確定。在更長期,第一期GDP、通貨膨脹率和上證指數(shù)沖擊的影響會逐步消失,公司經(jīng)營能力受到新一輪沖擊影響。(2)在影響壽險(xiǎn)公司經(jīng)營能力的微觀因素中,規(guī)模因子對壽險(xiǎn)公司經(jīng)營能力的影響最大。也就是說,現(xiàn)階段我國壽險(xiǎn)公司具有一定的規(guī)模效應(yīng)。
[Abstract]:In the past ten years, China's life insurance industry has made rapid progress, premium income.Even in the period of financial crisis, the life insurance industry of our country has gone up against the wind and realized a new upsurge of growth.The shadow of the financial crisis is fading away, but China's life insurance industry is facing a "bottleneck" problem, even in 2011 there was a negative growth in premiums, life insurance companies are full of gloom.Trying to find a way to break through the bottleneck. 2012 was not a smooth year for the entire life insurance industry either. The life insurance industry continued to decline in the first half of 2012 and did not return until the second half of the year.Life insurance companies also perform very differently.Why does the life insurance industry run counter to the macro financial trend? what factors have created the current situation of the life insurance industry, and how these factors act on the life insurance companies? furthermore, why do life insurance companies perform very differently?How to treat the development problems of life insurance companies rationally, and the premise of solving these problems is that we should understand enough what factors have affected the management ability of life insurance companies in our country.How these factors affect the path and to what extent they have an impact on the ability of our country's life insurance companies.In view of these problems, this paper summarizes the related reports and statistical results, and objectively describes the fact that the life insurance industry of our country appears abnormal and phenomenal before and after the financial crisis based on the actual data.Then, the related literature is summarized systematically, and the representative factors which can affect the management ability of life insurance companies are sought from the macro and micro dimensions, respectively.Based on the time series data and multivariate statistical data, the representative factors are empirically analyzed.A series of problems, from the theoretical point of view to reveal the actual phenomenon, reached meaningful views and conclusions.The main conclusions of this paper are as follows: 1) GDP has the greatest influence on the life insurance company's management ability, and it has the same influence in the short and long term, and the interest rate has the reverse influence on it in the short and long term.Inflation has the same effect in the short term, but uncertain in the long run. The Shanghai Stock Exchange index has a negative impact on it in the short term, and the long-term impact is uncertain.In the longer term, the impact of the first phase of GDP, inflation and Shanghai stock index shocks will gradually disappear, and the company's operating ability will be affected by a new round of shocks.The scale factor has the greatest influence on the business ability of the life insurance company.That is to say, at present our country life insurance company has certain scale effect.
【學(xué)位授予單位】：浙江工商大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F842.3;F224

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