通过数据包络分析法对2005年我国主要财保险公司效率的评价,得出影响我国财产保险公司效率的主要原因是投入过多,尤其是冗员多,经营支出较大;对利用自留保费进行投资,获取投资收入的能力不足。并针对效率不足的原因提出提高员工素质,减员增效、采取与经营环境相适应的措施,改善经营、建立健全有效的制度约束和增加投资途径,提高投资收益。 Through data envelopment analysis of the evaluation of the efficiency of China’s major financial insurance companies in 2005, it is concluded that the main reasons that affect the efficiency of China’s property insurance companies are excessive investment, especially redundant workers and large operating expenses; Investment, lack of access to investment income. In view of the reasons of the lack of efficiency, it is suggested to improve the quality of staff, reduce staff and increase efficiency, take appropriate measures to manage the environment, improve management, establish sound and effective system constraints and increase investment channels, and increase investment returns.