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本文从保险功能的视角出发,使用Malmquist指数方法研究了1999年～2006年中国保险业全要素生产率的变动情况。研究发现,中国保险业全要素生产率有明显提高。比较而言,寿险公司好于非寿险公司;股份公司好于国有公司;合资公司好于外资和中资公司;国有保险公司改革成果显著。全要素生产率提高主要得益于技术进步和技术创新,规模效率出现衰退,追求规模发展对中国保险业意义重大。
In this paper, from the perspective of insurance function, we use Malmquist index method to study the changes of total factor productivity of China’s insurance industry from 1999 to 2006. The study found that China’s insurance industry’s total factor productivity has significantly improved. In contrast, life insurance companies are better than non-life insurance companies; joint-stock companies are better than state-owned companies; joint ventures are better than foreign and Chinese-funded companies; and state-owned insurance companies have achieved remarkable results. The increase in total factor productivity is mainly due to technological progress and technological innovation. The decline in scale efficiency and the pursuit of large-scale development are of great significance to China’s insurance industry.