互联网金融背景下中国寿险公司经营绩效评价研究

摘要

以2013年保费收入行业前十的寿险公司作为研究样本，对它们的经营状况进行横向和纵向的比较分析，并运用建立的经营绩效评价体系，对经营绩效进行综合评价。评价结果表明，泰康人寿2013年在偿债能力、盈利能力、运营效率和成长能力表现欠佳，但是互联网运营能力排名第一，从而提升了其经营绩效的综合排名。基于综合评价结果，泰康人寿需要从两方面进一步改善其经营状况：第一，从提升短期流动性、注重寿险业务发展和控制综合费用支出入手，改善传统的经营指标；第二，通过优化页面设计、调整在线客服时长和完善产品结构来保持其互联网运营优势。%With the top ten premium income life insurance companies in 2013 as the research sample,the paper analyzed their operational conditions deeply from the horizontal and vertical as-pects.The paper evaluated their operational performance with the built up evaluation system and the results showed that although Taikang Life's other performance was not so good,its internet operational liability was No.1,thereby enhancing its comprehensive ranking.Taikang Life needs to enhance its operational conditions from two aspects,one is to improve traditional operational indexes and the other is to keep its internet operational advantages through some measures.