Research on Operating Efficiency Spatial Evolution of Property Insurance Company and Influence Factors Thereof Based on Geographic Information System

摘要

GIS (Geographic Information System) is a vital tool for spacial analysis and it has been primarily applied in natural science. With the combination and permeation of technical subjects, we have seen wide application of GIS techniques in social science. In the paper, undesirable output network SBM model is applied for evaluating operating efficiency of 29 property insurance companies in China from 2008 to 2013 from two-stage perspectives of insurance policy signing and insurance policy implementation. Panel Tobit model is used for testing efficiency influence factor. Research shows that: the operating efficiency of the property insurance company shows slowly rising trend as a whole and in two stages. Efficiency improvement has large potential at the insurance policy signing stage, main causes of efficiency loss are different in all companies, including weaker marketing ability or weak capital operation and risk management ability, Company scale, human capital, business diversification and organizational form have significant impact on operating efficiency. However, the impact degree and approach are different. Traditional management ideas are abandoned, match between company scale and management ability is focused, human capital situation is improved, business scope is broadened, and the product structure is optimized, which are beneficial for improving the operating efficiency.