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以2005年到2011年的经营数据为基础,采用一种较为流行的的DEA方法对财产保险公司的技术效率进行了实证研究,而传统的效率测度方法都会受到环境和随机因素的影响。运用三阶段的DEA测度方法对公司的效率测度所得的结果更能精确的体现公司的管理水平的高低。本文通过分析造成财产保险公司平均技术水平低下,各公司间的最大不同是效率差异较大的原因,以及详细分析了机动车辆保险保险费所占的比例和营销费用占比是如何对公司效率产生负向影响,另外有助于提高公司效率的因素有人力资源状况,公司的组织方式,还有投资模式的选择等等。
Based on the operating data from 2005 to 2011, a more popular DEA method is used to empirically study the technical efficiency of property insurance companies. However, the traditional efficiency measures are affected by environmental factors and random factors. Using the three-stage DEA measurement method, the result of the company’s efficiency measurement can more accurately reflect the level of the company’s management. This paper analyzes the causes of the average technical level of property insurance companies is low, the biggest difference between the companies is the reason of large differences in efficiency, as well as a detailed analysis of the proportion of motor vehicle insurance premiums and marketing costs accounted for how the efficiency of the company Negative impact, in addition to contribute to improve the efficiency of the company’s human resources factors, the organization of the company, as well as the choice of investment patterns and so on.