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弥补国内已有研究对有效率寿险公司无法进行比较的不足,以及两阶段数据包络分析方法中第一阶段和第二阶段假设逻辑不一致的缺陷,本文采用2005年～2007年我国23家寿险公司的数据,引入数据包络分析的超效率模型分析23家寿险公司的效率状况,并分别采用截断Tobit回归模型和对称截断最小二乘模型寻找影响我国寿险公司效率的环境因素。研究表明,对称截断最小二乘模型下的参数估计比较稳健。成立年数和市场份额对寿险公司效率的影响相对显著,市场份额的扩大有助于寿险公司效率的提高,而公司规模和所有权形式对寿险公司效率的影响并不显著,仅靠产权改革不能提高寿险公司的效率。
In order to make up for the shortcomings of the existing domestic research on the incompatibility of efficient life insurance companies and the inconsistent logical assumption of the first and second phases in the two-stage data envelopment analysis, this paper uses 23 life insurance companies in China from 2005 to 2007 The author introduces the super efficiency model of data envelopment analysis to analyze the efficiency of 23 life insurance companies and finds out the environmental factors that affect the efficiency of life insurance companies in China by using truncated Tobit regression model and symmetric truncated least squares model respectively. The research shows that the parameter estimation under symmetric truncated least squares model is robust. The effect of the number of years of establishment and market share on the life insurance company’s efficiency is relatively significant. The expansion of market share contributes to the increase of the life insurance company’s efficiency, while the influence of company size and ownership form on the life insurance company’s efficiency is not significant. The efficiency of the company.