中国境内保险公司运营绩效评价体系及实证研究--来自保险业60家机构的经验证据

摘要

Insurance industry is an important part of China's financial system.Once systematical risks strike the insurance industry, the safety of Chinese finance system will be threatened.Therefore,the evaluation system of operational performance for China's insur-ance industry should be established as soon as possible so as to enhance the monitoring function of risk operation efficiency of China's insurance industry.This paper first designs the evaluation index system of operational performance for Chinese domestic insurance com-panies.On the basis of this system and the operational data from 60 domestic insurance companies in China,an empirical analysis is then made to evaluate operational performance by employing the factor analysis method.The research result finally shows that some differences in operational performance exist between life insurance companies and property insurance companies.Also,operational per-formance of property insurance companies is better than that of life insurance companies.Moreover,in terms of operational perform-ance,Chinese-funded insurance companies are better than foreign insurance companies and foreign insurance companies better than joint insurance companies.Accordingly,relative policy suggestions are given.%保险业是中国金融体系的重要组成部分，一旦保险业发生系统性风险，将严重威胁到我国金融体系的安全，因此，必须尽快建立中国保险业运营绩效评价体系，以此来提升对中国保险业风险运营效率的监测功能。首先设计了中国境内保险公司运营绩效评价指标体系，在此基础上，选取来自中国保险业60家境内保险公司的运营数据，运用因子分析法对中国境内保险公司运营绩效评价进行了实证分析。研究发现，财险类保险公司与寿险类保险公司的运营绩效存在差异，财产类保险公司的运营绩效优于寿险类保险公司；中资类保险公司的运营绩效整体上优于外资类与合资类保险公司，外资类保险公司的运营绩效整体上优于合资类保险公司。并以此为依据，给出了相关政策建议。