保险市场效率理论研究综述被引量：6

Theoretical Study on Insurance Market Efficiency Theories

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摘要效率即投入与产出的关系,保险效率是判断保险业、保险市场发展水平和保险机构绩效与竞争能力的重要指标。国外对保险效率研究的主要内容为:规模效率和范围效率;保险公司组织形式与效率;保险市场结构与效率;对保险产业效率的研究;偿付能力与效率之间的关系,以及保险分销系统、保险监管、保险创新、保险人所有权结构等因素与效率的关系。对保险机构产出的度量方法主要有价值增加法和金融中介法。对保险业效率的分析较多采用数据包络分析方法、自由分布方法、随机前沿方法。对保险市场效率的定量研究和定性研究,为客观评价保险市场效率、促进保险机构提高效率和监管机构完善监管提供了有价值的理论指导。 Efficiency is the relationship between input and output. Insurance efficiency is an important measure of the level of development of the insurance industry and the insurance market, and the performance of insurance institutions and their competitiveness. Foreign study on insurance efficiency mainly composes of scale efficiency and scope efficiency, form of organization and efficiency, insurance market structure and efficiency, research on insurance industry＇s efficiency, the relationship between solvency and efficiency, and the relationship between factors such as insurance distribution system, insurance regulation, insurance innovation and insurer＇s ownership structure with efficiency. The measurement methods for insurance institutions＇ output are mainly value - added method and financial intermediation method. The insurance industry＇s efficiency is mostly analyzed by the DEA method, the DFA method and the Stochastic Frontier Approach. The quantitative and qualitative study on insurance market efficiency provides valuable theoretical guidance in evaluating insurance market efficiency, promoting efficiency improvement of insurance institutions and regulation improvement of regulatory bodies.

作者胡颖李万军郭金龙

机构地区暨南大学金融研究所河南商业高等专科学校中国社会科学院金融研究所

出处《保险研究》 CSSCI 北大核心 2007年第5期29-34,共6页 Insurance Studies

关键词保险效率规模效率公司组织形式市场结构产业效率偿付能力 insurance efficiency scale efficiency corporate organization form market structure industrial efficiency solvency margin

分类号 F840.32 [经济管理—保险]

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