本文選題：保險公司 + 資金運(yùn)營��； 參考：《對外經(jīng)濟(jì)貿(mào)易大學(xué)》2014年碩士論文

【摘要】：保險業(yè)作為我國金融體系的重要組成部分，在促進(jìn)我國國民經(jīng)濟(jì)的繁榮、維護(hù)社會、人們生活的安定方面發(fā)揮著重要作用。隨著社會的進(jìn)步、經(jīng)濟(jì)的發(fā)展，保險市場規(guī)模的不斷擴(kuò)張，保險公司的合法合規(guī)經(jīng)營的意識也不斷增強(qiáng)，保險的服務(wù)對象不斷豐富，保險市場的秩序逐漸好轉(zhuǎn)，其服務(wù)社會能力不斷增強(qiáng)，我國保險市場的發(fā)展取得了巨大的進(jìn)步。 近幾年我國的保險業(yè)得到了飛速發(fā)展，但是發(fā)展過程中的一些弊端和面臨的挑戰(zhàn)也逐漸明顯。例如，由于近年來我國保險金的平均收益率都低于銀行五年期存款利率，使得一些險種退保的風(fēng)險加大，另外隨著壽險滿期高峰的來臨，使得保險公司的支付壓力增大，由此可能帶來現(xiàn)金流不足的風(fēng)險，這些問題都進(jìn)一步加大了保險公司風(fēng)險防范的壓力；傳統(tǒng)業(yè)務(wù)發(fā)展緩慢，而新產(chǎn)品的創(chuàng)新能力不足，使得現(xiàn)有的產(chǎn)品缺乏強(qiáng)有力的競爭力；我國保險業(yè)高速發(fā)展是通過粗放式經(jīng)營而形成的，這種不重視管理、過度重視規(guī)模擴(kuò)張導(dǎo)致了整個行業(yè)的盈利能力減弱，成本費(fèi)用增加。本文正是在我國保險業(yè)高速發(fā)展的同時整個行業(yè)所存在的問題逐漸顯現(xiàn)的大背景下對我國保險業(yè)資金的運(yùn)營效率進(jìn)行深入研究。 本文在介紹了保險資金運(yùn)營效率國內(nèi)外研究現(xiàn)狀的基礎(chǔ)上，通過對保險資金來源、保險資金效率、保險資金運(yùn)用原則、保險資金運(yùn)用渠道以及效率評價相關(guān)理論的基礎(chǔ)上，選取了我國在A股上市的四家保險公司2006-2012年的數(shù)據(jù)，，通過構(gòu)建效率測度的CCR模型對其保險資金運(yùn)營效率進(jìn)行了測度，結(jié)果表明，我國保險資金運(yùn)營效率的整體水平不高，從各公司2006-2012年的效率均值來看，中國太平洋保險（集團(tuán)）股份有限公司的平均效率值最高，其資金運(yùn)營的效率值達(dá)到了0.989，而中國平安保險（集團(tuán)）股份有限公司資金運(yùn)營的平均效率值最低；從不同年份不同公司的資金運(yùn)營效率值來看，2006-2008年各公司的效率值都出現(xiàn)了不同程度的波動，波動最大的年份出現(xiàn)在2007-2008年間，這可能是由于金融危機(jī)的影響。在通過對保險公司資金運(yùn)營效率深入研究的基礎(chǔ)上，本文從拓寬資金運(yùn)用渠道、改善經(jīng)營環(huán)境、加強(qiáng)人才儲備和提高產(chǎn)品市場份額等四方面提出了提高保險資金運(yùn)營效率的對策建議。 對我國保險公司資金運(yùn)營效率的研究不僅能夠促進(jìn)我國保險業(yè)的發(fā)展而且對維護(hù)社會穩(wěn)定和促進(jìn)國民經(jīng)濟(jì)的發(fā)展也具有重要意義，此外，通過本文的研究還將對保險資金運(yùn)營效率理論的發(fā)展有積極的促進(jìn)作用。
[Abstract]:As an important part of China's financial system, the insurance industry plays an important role in promoting the prosperity of our national economy, maintaining the society and the stability of people's life. With the progress of society, the development of economy, the constant expansion of the scale of insurance market, the awareness of the legal and compliance management of insurance companies is also increasing, the clients of insurance services are becoming rich, and the order of the insurance market is gradually improving. Its service social ability unceasingly strengthens, our country insurance market development has obtained the huge progress. In recent years, China's insurance industry has been rapidly developed, but the development process of some drawbacks and challenges are gradually obvious. For example, in recent years, the average rate of return of insurance gold in China is lower than the five-year deposit interest rate of the bank, which increases the risk of some types of insurance to retire. In addition, with the arrival of the life insurance maturity peak, the payment pressure of the insurance companies increases. This may bring the risk of insufficient cash flow, these problems have further increased the pressure of risk prevention of insurance companies; the slow development of traditional business, and the lack of innovation ability of new products, make the existing products lack of strong competitiveness; The rapid development of insurance industry in our country is formed by extensive operation, which pays little attention to management and excessive attention to scale expansion, which leads to the weakening of profitability and the increase of cost and expense of the whole industry. In this paper, under the background of the rapid development of the insurance industry in China and the problems existing in the whole industry, the operating efficiency of the insurance funds in China is studied deeply. On the basis of introducing the present research situation of insurance fund operation efficiency at home and abroad, this paper analyzes the source of insurance fund, the efficiency of insurance fund, the application principle of insurance fund, the application channel of insurance fund and the related theory of efficiency evaluation. This paper selects the data of four Chinese A-share listed insurance companies from 2006 to 2012, and measures the operating efficiency of insurance funds by constructing the CCR model of efficiency measurement. The results show that the overall level of operational efficiency of insurance funds in China is not high. Judging from the average efficiency of companies from 2006 to 2012, China Pacific Insurance (Group) Co., Ltd. has the highest average efficiency. The efficiency of its capital operation reached 0.989, while the average efficiency of China Ping an Insurance (Group) Co., Ltd. was the lowest. According to the operating efficiency of different companies in different years, the efficiency of each company fluctuated in different degrees from 2006 to 2008, the biggest fluctuation occurred in 2007-2008, which may be due to the impact of the financial crisis. On the basis of in-depth study on the efficiency of capital operation of insurance companies, this paper tries to broaden the channels for the use of funds and improve the operating environment. This paper puts forward countermeasures and suggestions on how to improve the efficiency of insurance fund operation from four aspects: strengthening talent reserve and increasing market share of products. The study on the efficiency of capital operation of insurance companies in China can not only promote the development of the insurance industry in China, but also play an important role in maintaining social stability and promoting the development of the national economy. The research in this paper will also promote the development of insurance fund operation efficiency theory.
【學(xué)位授予單位】：對外經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F842.3;F840.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 潘立生;任雨純;;高新技術(shù)企業(yè)投資效率問題研究[J];財會通訊;2010年23期

2 高俊;陳秉正;邢宏洋;;中國人身保險市場效率測算——基于隨機(jī)前沿分析的實證研究[J];保險研究;2013年11期

3 徐景峰;李東亮;;壽險公司效率研究:基于DEA模型的分析方法[J];經(jīng)濟(jì)問題探索;2010年02期

4 黃薇;;中國保險機(jī)構(gòu)資金運(yùn)用效率研究:基于資源型兩階段DEA模型[J];經(jīng)濟(jì)研究;2009年08期

5 彭雪梅;論我國保險監(jiān)管模式的選擇方向[J];金融研究;2000年01期

6 胡坤;日本保險業(yè)的危機(jī)與啟示[J];金融研究;2000年11期

7 呂忠偉;;保險公司效率的測算研究[J];金融縱橫;2007年07期

8 葉明華;保險產(chǎn)品創(chuàng)新背景下的保險監(jiān)管效率研究[J];江西財經(jīng)大學(xué)學(xué)報;2005年05期

9 王堅強(qiáng);陽建軍;;基于DEA模型的企業(yè)投資效率評價[J];科研管理;2010年04期

10 侯晉,朱磊;我國保險公司經(jīng)營效率的非壽險實證分析[J];南開經(jīng)濟(jì)研究;2004年04期

本文編號：2038147