摘要
本文使用2009年到2015年《中国保险年鉴》的数据,以资产收益率为经营绩效衡量指标,运用双固定效应模型和混合效应模型,对我国寿险公司经营绩效影响因素进行实证研究。根据研究结论,本文提出以下五点建议:一是要根据企业规模与经营绩效的倒U型关系,控制企业的最优规模;二是要积极履行社会责任,充分发挥社会管理职能;三是要积极向健康管理方向转变,做好事前预防,降低赔付率;四是要重视投资和保费收入,资产端和负债端两手抓;五是要适当降低直销比例,拓宽销售渠道,合理运用资源。
The authors selected data from annals of 2009-2015, used return on asset to judge performance and empirically tested factors that affected operation performance of life insurance companies in China. According to research results, the authors provided following suggestion： First, the best scale of companies should be controlled by the inverted U relationship between scale and performance; Second, the companies should take social responsibilities actively and fully play the social management function; Third, the companies should positively change to healthy management and prevent prior to accidents and decrease loss ration; Forth, the companies should pay attention to investing and pension income and manage from both assets and liabilities; Fifth, the companies could properly decrease proportion of direct selling, broaden selling channels and reasonably use resources.
出处
《上海立信会计金融学院学报》
2017年第3期101-110,共10页
Journal of Shanghai Lixin University of Accounting and Finance
关键词
保险公司
人身险
企业经营
影响因素
双固定效应模型
混合效应模型
Insurance Companies
Life Insurance
Company Operation
Influence Factor
Double Fixed Effect Model
Mixed Effect Model
