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|其它题名: ||A study about the managerial performance of life insurance industry in China.|
|作者: ||陳慧婷;Chen, Hui-ting|
|关键词: ||壽險業;績效;財務比率法;資料包絡法;Life Insurance Industry;Perfoemance;FRA;DEA|
|上传时间: ||2010-01-10 23:32:51 (UTC+8)|
Since reform and opening up, China’s insurance industry has been keeping the growing rate over 30 percent and has mad marvelous achievements. In the system of market, there are more operational main bodies. A system of insurance market has been formed with the participation of state-owned, private sector and foreign capitals together and the competition between Chinese insurance companies and foreign insurance companies. The entry of foreign insurance companies has driven the market competition. The life insurance industry has to face competitions from other companies. Therefore, how to constitute an index valuing the life insurance company’s performance becomes an important issue.
In this paper we follow two approachs, i.e. the financial trtio analysis and the data envelopment analysis, to measure a company’s managerial performance. We found that the competition advantage of the chinese life insurance companies is its localization, including original customer group, sales network and service network, consumer to native place culture approval. But there are some problems existing: some companies did not have strong awareness of preventing risks and the inner management was not in accord with the rapid development. The joint capital insurance company’s superiority is the internationalization experience, the advanced idea and the brand superiority. But they enter China’s market have congenital insufficiency. For the development of the insurance industry, the consensus is on three major constraints, namely, preliminary stage of development causes insufficient capital, the company’s size is small and market share is low , and lack of insurance professionals.