两岸人寿保险公司效率的比较研究
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摘要
随着海峡两岸交流不断的增加,两岸人寿保险业交流更趋频繁,人寿保险业所扮演地位和作用的不断提高,海峡两岸许多专家、学者以及研究机构都投入其中,考察保险市场上某些因素的变化对保险公司经营效率的影响,因此本文以两岸人寿保险业效率比较研究为主题,期盼能为两岸保险业持续良好发展提供可供参考之依据。
本文采集了2005至2008年中国大陆及台湾地区保险机构各25家,经营5年以上人寿保险公司,共50家两岸人寿保险公司,200个样本数据。确定了样本机构5项投入、3项产出,并参考国外及两岸人寿保险业效率研究文献,找出影响两岸人寿保险业效率原因,从宏观保险主体及微观保险主体做影响效率效率原因,为两岸人寿保险公司的效率实证研究比较理论做根据,再做两岸人寿保险公司效率计算与变量比较分析,总结了横截面比较分析与纵截面比较分析和各模型数据结果做比较与检验,最后提出对台湾地区、对中国大陆地区以及对两岸整体建议。
本文实证结果显示：首先,两岸人寿保险业纯技术效率方面家数大于1,台湾地区占20%,中国大陆地区占40%,两岸整体占30%。显示台湾地区在管理技术家数方面优于大陆地区。规模效率方面,台湾地区17.97%规模不经济,中国大陆地区仍有20.7%发展空间,两岸整体效率值为0.9863已趋近至最适效率。总效率方面：台湾地区需减少36%,中国大陆地区仍不足19.37%。两岸整体总效率值已趋近1已达至最适效率。其次,影响两岸人寿险业效率的环境因素-以二阶段以SFA差分变量回归分析发现,台湾地区：为行业竞争环境,其影响营业支出的差分变量产生显着差异。为相对有利因子。中国大陆地区：人均产能和政府监管环境,其影响手续佣金费差分变量产生显着差异人均产能为相对有利因子,而政府监管环境为相对不利因子。两岸整体：主要在于投资资产差分变量及业务管理费两个变量产生差异。政府监管环境及市场准入环境为相对不利因子,而对于业务管理费则呈相对有利因子。第三,Malmquist生产力变动指数得知,全要素生产率变动Tfpch台湾地区：显示生产力处于停滞现象。中国大陆地区：显示生产力处于成长现象。两岸整体：显示生产力处于成长现象。实证结果最后得知,台湾地区人寿保险公司已产生市场饱和状态,大陆地区人寿保险公司未达最适规模,可扩大生产规模以提升效率,建议大陆地区人寿保险业持续扩大开放台湾人寿保险业投入大陆市场。
With across the Taiwan Straits have kept increasing,Exchanges become more frequent in the across Taiwan Straits life insurance industry.Life insurance industry position and role played by the continuous improvement.Across the Taiwan Straits many experts, scholars and research institutions are getting into research the life insurance industry.Investigation of some factors on the insurance market changes on the efficiency of insurance companies.For the reason that this article compared to the efficiency of both sides of the life insurance industry as the theme.Look forward to continuing to Across the Taiwan Straits the sound development of the insurance industry to provide a basis for reference.
This paper collected from 2005 to 2008 in mainland China and Taiwan each 25 insurance institutions.Life insurance companies operating more than 5 yearstotal of 50 cross life insurance companies and 200 sample data. Sample of organizations identified 5 inputs,3 outputs.and reference to the efficiency of foreign and Across the Taiwan Straits the life insurance industry research literature.Affect the efficiency of the life insurance industry to find out the reasons for both sides.Subject from a macro and micro insurance do affect the efficiency of the efficiency of the main reasons. Under the efficiency of Across the Taiwan Straits life insurance companies to do empirical research on theory. Do both sides and variable life insurance companies calculate the efficiency of comparative analysis.Summarizes the comparative analysis of cross-section;comparative analysis of longitudinal sectionand the model data resultscompared with the test.Finally, on Taiwan, mainland China, and the overall recommendations on Across the Taiwan Straits.
The paper empirical results indicate:First, the two sides of pure technical efficiency of the life insurance industry company greater than 1.20% in Taiwan,40% in mainland China,30% in the overall Across the Taiwan Straits.The number of life insurance industry company show in Taiwan in the management of technology is superior to the mainland.Scale efficiency,17.97% in Taiwan diseconomies of scale.20.7% in mainland China is still space for development,The overall has been efficiency of both sides reaching a value of 0.9863 to the best efficiency.Total efficiency:36% in Taiwan need to reduce the mainland Chinese is still less than 19.37%.The total value of the overall efficiency of both sides have reached optimum efficiency approaching 1. Second, the impact of the efficiency of cross-strait life insurance industry, the environmental factors-in the second stage to SFA slack variable regression analysis Taiwan:the competitive environment for the industry, the impact of operating expenses of the slack variables have a significant difference.the advantage of factor is relative. Mainland China:production per capita and the government regulatory environment, the impact of the procedures the commission fee slack variable capacity of a significant difference in per capita relatively favorable factor. Government regulatory environment for the relatively unfavorable factor.Overall Across the Taiwan Straits:The main difference is that the variable investment assets and business management fee of two variables differ.Government regulatory environment and market access conditions for the relatively unfavorable factor.For the business of management fees were relatively favorable factor.Third, Malmquist index changes in productivity index that,Total Factor Productivity Taiwan: show the phenomenon of productivity at a standstill. Mainland China:show productivity growth in the phenomenon. The overall Across the Taiwan Straits:show productivity growth in the phenomenon.The result finally learned,Taiwan Life Insurance Company has generated market saturation and mainland China Life Insurance Company of less than optimal size, can expand the production scale in order to improve efficiency. Recommends the mainland life insurance industry, opening up Taiwan's life insurance industry continues to expand into the mainland China.
本文采集了2005至2008年中国大陆及台湾地区保险机构各25家,经营5年以上人寿保险公司,共50家两岸人寿保险公司,200个样本数据。确定了样本机构5项投入、3项产出,并参考国外及两岸人寿保险业效率研究文献,找出影响两岸人寿保险业效率原因,从宏观保险主体及微观保险主体做影响效率效率原因,为两岸人寿保险公司的效率实证研究比较理论做根据,再做两岸人寿保险公司效率计算与变量比较分析,总结了横截面比较分析与纵截面比较分析和各模型数据结果做比较与检验,最后提出对台湾地区、对中国大陆地区以及对两岸整体建议。
本文实证结果显示：首先,两岸人寿保险业纯技术效率方面家数大于1,台湾地区占20%,中国大陆地区占40%,两岸整体占30%。显示台湾地区在管理技术家数方面优于大陆地区。规模效率方面,台湾地区17.97%规模不经济,中国大陆地区仍有20.7%发展空间,两岸整体效率值为0.9863已趋近至最适效率。总效率方面：台湾地区需减少36%,中国大陆地区仍不足19.37%。两岸整体总效率值已趋近1已达至最适效率。其次,影响两岸人寿险业效率的环境因素-以二阶段以SFA差分变量回归分析发现,台湾地区：为行业竞争环境,其影响营业支出的差分变量产生显着差异。为相对有利因子。中国大陆地区：人均产能和政府监管环境,其影响手续佣金费差分变量产生显着差异人均产能为相对有利因子,而政府监管环境为相对不利因子。两岸整体：主要在于投资资产差分变量及业务管理费两个变量产生差异。政府监管环境及市场准入环境为相对不利因子,而对于业务管理费则呈相对有利因子。第三,Malmquist生产力变动指数得知,全要素生产率变动Tfpch台湾地区：显示生产力处于停滞现象。中国大陆地区：显示生产力处于成长现象。两岸整体：显示生产力处于成长现象。实证结果最后得知,台湾地区人寿保险公司已产生市场饱和状态,大陆地区人寿保险公司未达最适规模,可扩大生产规模以提升效率,建议大陆地区人寿保险业持续扩大开放台湾人寿保险业投入大陆市场。
With across the Taiwan Straits have kept increasing,Exchanges become more frequent in the across Taiwan Straits life insurance industry.Life insurance industry position and role played by the continuous improvement.Across the Taiwan Straits many experts, scholars and research institutions are getting into research the life insurance industry.Investigation of some factors on the insurance market changes on the efficiency of insurance companies.For the reason that this article compared to the efficiency of both sides of the life insurance industry as the theme.Look forward to continuing to Across the Taiwan Straits the sound development of the insurance industry to provide a basis for reference.
This paper collected from 2005 to 2008 in mainland China and Taiwan each 25 insurance institutions.Life insurance companies operating more than 5 yearstotal of 50 cross life insurance companies and 200 sample data. Sample of organizations identified 5 inputs,3 outputs.and reference to the efficiency of foreign and Across the Taiwan Straits the life insurance industry research literature.Affect the efficiency of the life insurance industry to find out the reasons for both sides.Subject from a macro and micro insurance do affect the efficiency of the efficiency of the main reasons. Under the efficiency of Across the Taiwan Straits life insurance companies to do empirical research on theory. Do both sides and variable life insurance companies calculate the efficiency of comparative analysis.Summarizes the comparative analysis of cross-section;comparative analysis of longitudinal sectionand the model data resultscompared with the test.Finally, on Taiwan, mainland China, and the overall recommendations on Across the Taiwan Straits.
The paper empirical results indicate:First, the two sides of pure technical efficiency of the life insurance industry company greater than 1.20% in Taiwan,40% in mainland China,30% in the overall Across the Taiwan Straits.The number of life insurance industry company show in Taiwan in the management of technology is superior to the mainland.Scale efficiency,17.97% in Taiwan diseconomies of scale.20.7% in mainland China is still space for development,The overall has been efficiency of both sides reaching a value of 0.9863 to the best efficiency.Total efficiency:36% in Taiwan need to reduce the mainland Chinese is still less than 19.37%.The total value of the overall efficiency of both sides have reached optimum efficiency approaching 1. Second, the impact of the efficiency of cross-strait life insurance industry, the environmental factors-in the second stage to SFA slack variable regression analysis Taiwan:the competitive environment for the industry, the impact of operating expenses of the slack variables have a significant difference.the advantage of factor is relative. Mainland China:production per capita and the government regulatory environment, the impact of the procedures the commission fee slack variable capacity of a significant difference in per capita relatively favorable factor. Government regulatory environment for the relatively unfavorable factor.Overall Across the Taiwan Straits:The main difference is that the variable investment assets and business management fee of two variables differ.Government regulatory environment and market access conditions for the relatively unfavorable factor.For the business of management fees were relatively favorable factor.Third, Malmquist index changes in productivity index that,Total Factor Productivity Taiwan: show the phenomenon of productivity at a standstill. Mainland China:show productivity growth in the phenomenon. The overall Across the Taiwan Straits:show productivity growth in the phenomenon.The result finally learned,Taiwan Life Insurance Company has generated market saturation and mainland China Life Insurance Company of less than optimal size, can expand the production scale in order to improve efficiency. Recommends the mainland life insurance industry, opening up Taiwan's life insurance industry continues to expand into the mainland China.
引文
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