本文選題：中國壽險業(yè) + 知識資本��； 參考：《西北大學(xué)》2014年碩士論文

【摘要】：現(xiàn)代社會,知識資本越來越被保險等金融企業(yè)界高度關(guān)注,知識已經(jīng)成為提升企業(yè)競爭力的主要驅(qū)動力。中國壽險業(yè)經(jīng)過三十余年的發(fā)展,服務(wù)領(lǐng)域廣泛,市場規(guī)模龐大。然而,目前面對國際金融市場的激烈競爭,我國壽險行業(yè)的創(chuàng)新能力不足,效率低下,面臨如何進(jìn)行產(chǎn)品創(chuàng)新和服務(wù)創(chuàng)新,如何通過混業(yè)經(jīng)營、資產(chǎn)證券化進(jìn)行產(chǎn)業(yè)轉(zhuǎn)型升級、提高國際市場競爭力的困境。而知識資本是核心關(guān)鍵因素。因此,定性、定量分析知識資本與我國壽險業(yè)經(jīng)營效率關(guān)系問題,找出關(guān)鍵影響因素,這在理論與實踐方面均有重要意義。 本論文從理論與實證兩個方面系統(tǒng)分析中國壽險企業(yè)的知識資本與經(jīng)營效率之間的影響關(guān)系,進(jìn)而分析影響技術(shù)效率的主要因素,給出政策選擇。文章主要采用規(guī)范分析與實證分析、定性定量分析相結(jié)合的研究方法。首先,系統(tǒng)梳理了國內(nèi)外相關(guān)文獻(xiàn),綜述了知識資本的內(nèi)涵、知識資本與保險企業(yè)經(jīng)營效率關(guān)系的一般理論、影響機理及作用途徑。其次,構(gòu)建模型,選取樣本數(shù)據(jù),實證分析中國保險市場上知識資本對壽險企業(yè)經(jīng)營效率的影響。我們采用兩階段研究方法,第一階段采用動態(tài)DEA模型(DSBM模型)分析中國保險市場上30家壽險企業(yè)2006-2010年經(jīng)營效率的變動情況,第二階段采用截斷回歸模型檢驗知識資本對中國壽險企業(yè)經(jīng)營效率的影響。 本論文的主要研究結(jié)論包括：(1)2006-2010年間,中國壽險業(yè)平均效率值相對保持穩(wěn)定,在動態(tài)DEA模型(DSBM模型)下得出的平均效率分值介于0.905和0.973之間,中資壽險企業(yè)的平均效率分值高于外資壽險企業(yè)。(2)人力資本、結(jié)構(gòu)資本與物質(zhì)資本均與中國壽險企業(yè)經(jīng)營效率正相關(guān)；人力資本對中國壽險企業(yè)經(jīng)營效率影響最大；結(jié)構(gòu)資本與壽險企業(yè)經(jīng)營效率正相關(guān),但是不顯著。我們還驗證了動態(tài)DEA模型計與傳統(tǒng)DEA模型分別計算得出的效率值之間有顯著的差別,動態(tài)DEA模型更加符合壽險公司經(jīng)營的現(xiàn)實情況�；谥袊鴫垭U業(yè)知識資本現(xiàn)狀,本文給出相關(guān)政策選擇：壽險企業(yè)應(yīng)該加強對人力資本、結(jié)構(gòu)資本的投資與管理,創(chuàng)新人才發(fā)展戰(zhàn)略,優(yōu)化內(nèi)部管理制度,通過改善知識資本的管理來提升自身的競爭力。
[Abstract]:In modern society, knowledge capital has been paid more and more attention by financial enterprises, such as insurance, and knowledge has become the main driving force to enhance the competitiveness of enterprises. China's life insurance industry after more than 30 years of development, a wide range of services, market scale. However, facing the fierce competition in the international financial market, the life insurance industry of our country has insufficient innovation ability, low efficiency, how to carry out product innovation and service innovation, how to carry out industrial transformation and upgrading through mixed operation and asset securitization. The dilemma of improving the competitiveness of the international market. Knowledge capital is the key factor. Therefore, qualitative and quantitative analysis of the relationship between knowledge capital and the operation efficiency of life insurance industry in China, find out the key factors, which is of great significance in both theory and practice. This paper systematically analyzes the relationship between knowledge capital and operation efficiency of Chinese life insurance enterprises from two aspects of theory and demonstration, and then analyzes the main factors that affect the technical efficiency, and gives the policy choice. This paper mainly adopts normative analysis and empirical analysis, qualitative and quantitative analysis of the combination of research methods. First of all, it systematically combs the related literature at home and abroad, summarizes the connotation of the knowledge capital, the general theory of the relationship between the knowledge capital and the operation efficiency of the insurance enterprise, the influence mechanism and the action way. Secondly, this paper constructs the model, selects the sample data, and empirically analyzes the influence of the knowledge capital on the operation efficiency of the life insurance enterprises in China's insurance market. In the first stage, the dynamic DEA model is used to analyze the change of operating efficiency of 30 life insurance enterprises in China from 2006 to 2010. In the second stage, the truncated regression model is used to test the influence of knowledge capital on the operation efficiency of Chinese life insurance enterprises. The main conclusions of this paper are as follows: from 2006 to 2010, the average efficiency of life insurance industry in China remained relatively stable, and the average efficiency score was between 0.905 and 0.973 under the dynamic DEA model. The average efficiency score of the Chinese life insurance enterprises is higher than that of the foreign-funded life insurance enterprises, and the structure capital and the material capital are both positively related to the operation efficiency of the Chinese life insurance enterprises, and the human capital has the greatest influence on the operation efficiency of the Chinese life insurance enterprises. The structural capital is positively related to the operation efficiency of life insurance enterprises, but it is not significant. We also verify that there is a significant difference between the calculated efficiency values of dynamic DEA model and traditional DEA model, and the dynamic DEA model is more in line with the reality of life insurance company management. Based on the current situation of knowledge capital in life insurance industry in China, this paper gives some policy choices: life insurance enterprises should strengthen investment and management of human capital and structural capital, innovate talent development strategy, and optimize internal management system. Improve the management of knowledge capital to enhance their competitiveness.
【學(xué)位授予單位】：西北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F842.3

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