本文選題：保險(xiǎn)資金 + 投資效率�。� 參考：《遼寧大學(xué)》2014年碩士論文

【摘要】：我國(guó)保險(xiǎn)公司在整個(gè)金融行業(yè)乃至整個(gè)宏觀經(jīng)濟(jì)中都占有不可替代的作用。在整個(gè)金融體系中保險(xiǎn)公司的作用是其它金融機(jī)構(gòu)不可替代的，其最主要的作用有分散風(fēng)險(xiǎn)，融通資金和穩(wěn)定社會(huì)等。在改革開(kāi)放之后我國(guó)保險(xiǎn)行業(yè)得到了迅速的發(fā)展，到2012年年末，全年保費(fèi)收入1.55萬(wàn)億元，同比增長(zhǎng)8%，保險(xiǎn)公司資產(chǎn)總額已經(jīng)達(dá)到了創(chuàng)紀(jì)錄的7.35萬(wàn)億元，較年初增長(zhǎng)22.9%，保險(xiǎn)公司賠款與給付4716.3億元，同比增長(zhǎng)20%。在2012年7月21日北京暴雨襲擊和“布拉萬(wàn)”臺(tái)風(fēng)等重大災(zāi)害事故中，保險(xiǎn)業(yè)較好地發(fā)揮了其作用，有效的完成了災(zāi)害事故后的賠付工作。盡管如此，我國(guó)保險(xiǎn)業(yè)的經(jīng)濟(jì)效益仍然不能讓人滿(mǎn)意以及對(duì)國(guó)民經(jīng)濟(jì)的貢獻(xiàn)也沒(méi)有達(dá)到其該有的水平，主要是因?yàn)槲覈?guó)的保險(xiǎn)業(yè)投資效率相對(duì)較低和保險(xiǎn)資金運(yùn)用能力與西方發(fā)達(dá)國(guó)家也不再同一水平，我國(guó)的保險(xiǎn)資金投資發(fā)展相對(duì)落后，重視程度不夠，所以我國(guó)保險(xiǎn)產(chǎn)業(yè)的競(jìng)爭(zhēng)力被嚴(yán)重的削弱。長(zhǎng)期以來(lái)中國(guó)保險(xiǎn)公司重視速度和規(guī)模的快速增長(zhǎng)從而忽視了效率的做法對(duì)整個(gè)保險(xiǎn)行業(yè)的投資造成很大的負(fù)面影響，從而影響了我國(guó)保險(xiǎn)業(yè)的整體收益。提高保險(xiǎn)行業(yè)的整體收益，不僅要提高平時(shí)運(yùn)營(yíng)的效率，因?yàn)槟壳斑\(yùn)營(yíng)效率提高具有一定的難度，所以我國(guó)逐漸對(duì)保險(xiǎn)資金的增值收益重視起來(lái)，這就要求現(xiàn)在的保險(xiǎn)公司要想在競(jìng)爭(zhēng)過(guò)程中立于不敗之地，就應(yīng)該對(duì)如何提高保險(xiǎn)資金投資效率做足功課。 文章第一部分是緒論，概括的介紹了文章的背景和研究過(guò)程中所使用的方法；第二部分對(duì)保險(xiǎn)資金投資運(yùn)作機(jī)理做了系統(tǒng)的闡述；第三部分根據(jù)我國(guó)保險(xiǎn)資金投資效率的現(xiàn)狀，對(duì)2007年到2012年的25家保險(xiǎn)公司運(yùn)用數(shù)據(jù)包絡(luò)方法（DEA方法）對(duì)投資效率進(jìn)行測(cè)算。根據(jù)測(cè)算結(jié)果，對(duì)我國(guó)保險(xiǎn)公司投資效率水平進(jìn)行細(xì)致的比較分析；第四部分對(duì)影響因素進(jìn)行回歸分析，得到結(jié)論。第五部分，，提出幾點(diǎn)可能對(duì)提高我國(guó)保險(xiǎn)公司投資效率水平的有益的建議。
[Abstract]:Chinese insurance companies play an irreplaceable role in the whole financial industry and even the whole macro economy. In the whole financial system, the role of insurance companies is irreplaceable by other financial institutions. The main functions of insurance companies include dispersing risks, financing and stabilizing society. After the reform and opening up, the insurance industry in China has developed rapidly. By the end of 2012, the annual premium income was 1.55 trillion yuan, an increase of 8% over the same period last year. The total assets of insurance companies have reached a record 7.35 trillion yuan. Compared with the beginning of the year, the increase of 22. 9%, insurance company compensation and payment of 471.63 billion yuan, year-on-year increase of 20. On July 21, 2012, the insurance industry has played a better role in the heavy rain attack in Beijing and the "Brawan" typhoon and other major disasters, and effectively completed the payment of compensation after the disaster accident. Nevertheless, the economic benefits of the insurance industry in China are still not satisfactory and the contribution to the national economy has not reached its desired level. This is mainly due to the relatively low efficiency of insurance investment in our country and the fact that the ability to use insurance funds is no longer at the same level as that of western developed countries, and the development of insurance funds in our country is relatively backward and the degree of attention is insufficient. Therefore, the competitiveness of China's insurance industry has been seriously weakened. For a long time, the Chinese insurance companies have attached great importance to the rapid growth of the speed and scale, thus neglecting the efficiency of the investment of the entire insurance industry, thus affecting the overall income of the insurance industry in China. To improve the overall income of the insurance industry, we should not only improve the efficiency of ordinary operations, because it is difficult to improve the operational efficiency at present, therefore, our country has gradually attached importance to the value-added income of insurance funds. This requires that if insurance companies want to remain invincible in the process of competition, they should do their homework on how to improve the efficiency of investment in insurance funds. The first part of the article is an introduction. This paper introduces the background of the article and the methods used in the research process; the second part systematically expounds the operation mechanism of insurance fund investment; the third part according to the current situation of the investment efficiency of insurance funds in China. This paper measures the investment efficiency of 25 insurance companies from 2007 to 2012 using DEA method. According to the calculated results, the investment efficiency level of insurance companies in China is compared and analyzed in detail. The fourth part makes regression analysis on the influencing factors and draws a conclusion. In the fifth part, some useful suggestions are put forward to improve the investment efficiency of Chinese insurance companies.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F842;F840.4

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