我国合资寿险公司效率的实证研究——基于Tobit广义线性模型

何小伟; 谢远涛

我国合资寿险公司效率的实证研究——基于Tobit广义线性模型

引用本文：何小伟，谢远涛.我国合资寿险公司效率的实证研究——基于Tobit广义线性模型[J].财经理论与实践,2013,(1):16-20

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作者	单位
何小伟，谢远涛	（对外经济贸易大学保险学院，北京100029）

中文摘要:通过测算2005~2009年我国17家合资寿险公司的超效率和Malmquist指数，利用Tobit的广义线性模型检验其效率的影响因素。结果发现：2005~2009年，我国合资寿险公司技术效率的整体得分在逐步提升，各公司之间的技术效率差距在逐渐缩小；分支机构的开设数量、团险业务的保费收入占比、寿险业务的保费收入占比均对合资寿险公司的效率有着显著的正向影响，而寿险市场的集中度则对合资寿险公司的效率有着显著的负向影响。

中文关键词:合资寿险公司效率超效率 Malmquist指数影响因素

The Efficiency of Joint-venture Life Insurer in China: Based on Tobit Generalized Linear Models

Abstract:The super efficiency and the Malmquist Index of 17 joint-venture life insurance companies in China are measured in the paper. And the influence factors of the super efficiency are tested based on Tobit model. There are two major findings in this paper. Firstly, the overall efficiency of joint venture life insurers has improved and the gaps among these companies have decreased from 2005 to 2009. Secondly, the number of branches, the percentage of group life insurance premium to all premium, and the percentage of life insurance premium to all premium have significant positive effects on the joint-venture life insurers' efficiency. However, the market concentration rate of life insurance market has significant negative effects on joint venture life insurers' efficiency.

keywords:Joint-venture life insurer Efficiency SDEA Malmquist index Influence factors

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