TP保险公司经过多年经营发展，公司目前已经初具规模，在整个保险行业占据 一席重要的地位和市场。公司的经营方向和经营理念也具备科学性，对产品质量、产 品结构等经营要素都非常的重视。但是随着企业发展时间的增加，许多公司普遍存在 的问题也开始在TP保险公司出现，企业经营效率开始呈现下滑态势。目前TP保险公 司已经开始寻求新的发展和创新，重视信息技术的发展和建设，对过往的经营方向和 经营理念进行重要的调整，改变以往的单纯依靠降低产品价格的方式来抢占市场的经 营模式，重视服务、商品等各方面的竞争；重视集团化与专业化经营，有效整合资源， 从而实现该行业效益的提升。 在保险业快速发展的当下，市场竞争的压力逐渐增大，许多保险公司的发展诉求 不再是简单的追求一时的经营效益，开始重视企业的长久和稳定的发展。在稳定健康 的发展中提高企业的经营效率，已经成为中国保险业长远发展的重点。本文以TP保 险公司为研究对象，选择3项投入与2项产出为变量组合，通过DEA分析该企业的 效率值、敏感度等，在此基础上，提出改进无效率经营的措施和方法。利用回归分析 法，确定该企业经营效率的其他关键因素，希望在此基础上提出合适的经营发展建议， 为管理层的经营决策、方针的确定提供指导和借鉴。通过实证分析发现，由DEA看 出该企业经营无效率的根源是规模无效率，同时大部分决策单位都处在规模报酬递减 阶段。不仅如此，研究表明在所有的环境变量中，高学历结构、年龄结构等对效率值 的影响达显著水平。 关键词：TP保险公司DEA经营效率评价 TP保险公司经营效率评价研究 II ABSTRACT Afteryearsofoperationanddevelopment,TPinsurancecompanyhasbeguntotake shapeandoccupiesanimportantpositionandmarketinthewholeinsuranceindustry.The managementdirectionandmanagementphilosophyofthecompanyarealsoscientific, attachgreatimportancetoproductquality,productstructureandotheroperating factors.However,withtheincreaseofenterprisedevelopmenttime,thecommonproblems ofmanycompaniesalsobegantoappearinTPinsurancecompany,andtheoperating efficiencyofenterprisesbegantoshowadownwardtrend.Atpresent,TPinsurance companyhasbeguntoseekfornewdevelopmentandinnovation,attachimportancetothe developmentandconstructionofinformationtechnology,makeimportantadjustmentsto thepreviousbusinessdirectionandbusinessphilosophy,changethepreviousbusiness modelofsimplyrelyingonreducingthepriceofproductstoseizethemarket,andattach importancetothecompetitionofservices,commoditiesandotheraspects;Focuson collectivizationandprofessionalmanagement,effectivelyintegrateresources,soasto achievetheindustryefficiency. Withtherapiddevelopmentoftheinsuranceindustry,thepressureofmarket competitionisgraduallyincreasing,andmanyinsurancecompaniesnolongersimply pursuetemporaryoperationalbenefits,butattachimportancetothelong-termandstable developmentofenterprises.Inthestableandhealthydevelopmentofenterprisestoimprove theoperatingefficiency,hasbecomethefocusofthelong-termdevelopmentofChina's insuranceindustry.ThispapertakesTPinsurancecompanyastheresearchobject,selects3 inputsand2outputsasvariablecombinations,analyzestheefficiencyvalueandsensitivity oftheenterprisethroughDEA,andthenproposesmeasuresandmethodstoimprovethe inefficientoperation.Theregressionanalysismethodisusedtodetermineotherkeyfactors oftheoperatingefficiencyoftheenterprise,anditishopedtoputforwardappropriate Suggestionsforthedevelopmentoftheoperationonthisbasis,soastoprovideguidance andreferenceforthedeterminationofthemanagement'soperatingdecisionsandpolicies. Throughempiricalanalysis,itisfoundthatDEAfindsthattherootcauseofoperating inefficiencyisscaleinefficiency,andmostdecision-makingunitsareinthestageof 河北地质大学硕士学位论文 III diminishingreturnstoscale.Moreover,thestudyshowsthatamongalltheenvironmental variables,theinfluenceofthehighereducationstructureandtheagestructureonthe efficiencyvaluereachesasignificantlevel. Keywords:TPinsurancecompany;DEA;businessefficiencyevaluation TP保险公司经营效率评价研究 IV 目录 摘要..............................................................................................................................I ABSTRACT......................................................................................................................II 第一章绪论...................................................................................................................1 1.1研究背景与研究意义...............................................................................................1 1.1.1研究背景............................................................................................................1 1.1.2研究意义............................................................................................................1 1.1.2.1理论意义......................................................................................................1 1.1.2.2现实意义......................................................................................................2 1.2本文研究思路和框架...............................................................................................2 1.2.1研究思路............................................................................................................2 1.2.2研究框架............................................................................................................2 1.2.3研究方法............................................................................................................4 1.2.4创新点和难点....................................................................................................4 1.3文献综述...................................................................................................................4 1.3.1保险业经营效率研究综述................................................................................4 1.3.2寿险公司经营效率研究综述............................................................................5 1.3.3产险公司经营效率研究综述............................................................................6 1.4中国保险市场沿革及现况分析...............................................................................7 1.4.1中国地区保险业发展的沿革............................................................................8 1.4.2中国地区保险业务发展现状............................................................................9 1.5本章小结.................................................................................................................11 第二章经营效率理论研究.........................................................................................13 2.1保险业经营效率相关概念介绍.............................................................................13 2.1.1保险业效率的概念及分类...............................................................................13 2.1.2保险业经营效率的概念及作用.......................................................................13 2.2经营效率研究方法.................................................................................................14 河北地质大学硕士学位论文 V 2.2.1保险业经营效率评估方法..............................................................................14 2.2.2DEA的基本原理..............................................................................................14 2.2.3DEA基本模型..................................................................................................16 第三章TP保险公司经营效率模型建构....................................................................20 3.1指标介绍.................................................................................................................20 3.2变量选择.................................................................................................................21 3.2.1TP保险公司投入变量选取.............................................................................21 3.2.2TP保险公司产出变量选取.............................................................................22 3.2.3样本的选择......................................................................................................24 3.3Tobit回归模式介绍...............................................................................................24 第四章实证分析结果..................................................................