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数据包络分析法(DEA方法)是以相对效率概念为基础,用于评价具有相同类型的多投入、多产出的决策单元是否有效的一种非参数统计方法。本文运用DEA模型(超效率模型)评估了样本数据中的产险公司在2004年度的超效率评分,并且对超效率模型中投入产出指标的选择是基于金融中介,而非生产的角度。通过实证分析可以看出,目前我国产险公司经营中存在着资本金与业务的不匹配、费用投入偏高、偿付能力不足及投资收益率不高等问题,要解决上述问题,主要在于产险公司自身改善经营方式,同时也需要一定的经营环境与之相适应。
Data envelopment analysis (DEA) is a nonparametric statistical method based on the concept of relative efficiency, which is used to evaluate the validity of multi-input and multi-output decision-making units of the same type. In this paper, the DEA model (super-efficiency model) is used to evaluate the super-efficiency score of the insurers in the sample data in 2004. The choice of input-output index in the super-efficiency model is based on the financial intermediary rather than the production. Empirical analysis shows that at present, there are some problems in the operation of China’s property insurance companies, such as the mismatch of capital fund and business, the high cost investment, the solvency insufficiency and the low investment return rate. To solve these problems, Improve their own management methods, but also need a certain business environment and adapt.