中國大陸本土和外商產險公司的經營效率比較分析A Comparative Analysis of Operational Efficiency betweenLocal and Foreign Non-

摘要
本文採用「投入導向」模式的資料包絡法和Malmquist生產力變動指數評估中國大陸產險業在2002年至2004年間各項效率值及Malmquist生產力變動指數。本研究主要發現：整體產險業在研究期間呈現技術無效率，顯示未能充分利用資源，而外商公司的技術效率優於本土公司；此外亦發現整體產險業的Malmquist生產力變動呈現正成長，外商產險公司的生產力變動優於本土產險公司。
關鍵字：財產保險、資料包絡法、Malmquis生產力變動指數、效率
Abstract
This study uses input-orientated Data Envelopment Analysis and Malmquist productivity index to estimate operational efficiency of Chinese non-life insurance industry between year 2002 and 2004. We find that Chinese non-life insurance industry is technically inefficient in terms of pure technical inefficiency and scale inefficiency. In addition, foreign companies outperform local ones in technical efficiency. Based on Malmquist productivity index, we also find that total factor productivity is positively increased, and foreign companies outperform local ones in total factor productivity change as well.
Keywords: non-life insurance, DEA, Malmquist Productivity Index, efficiency