我国财产保险公司经营绩效分析与评价毕业论文_会计学毕业论文

我国财产保险公司经营绩效分析与评价毕业论文

2021-04-19更新

摘 要

自八十年代我国恢复国内保险业务以来,保险市场不断蓬勃发展,其中,起步较晚的财产保险市场近年来的成长速度相当迅猛,保费规模不断扩张,逐渐显示出其巨大的发展潜力。随着保险市场的逐步开放,我国国内财产保险公司之间的竞争也在日益加剧。为了能够明确各个财产保险公司自身在保险市场中的地位,发现自身经营中的优势和不足,改善经营方式,提高经营管理的效率,增强企业的竞争力,就必须对财产保险公司进行科学、合理的经营绩效评价。本文首先介绍了企业经营绩效评价方法的相关理论,概述了我国财产保险市场的现状,并根据财产保险行业的特点,采用因子分析法,选取12个评价经营绩效的财务指标,对我国国内保险市场中目前保费收入占据绝大比重的20家大中小型样本财产保险公司的绩效水平和市场竞争力做出实证分析,从不同角度综合比较各财产保险公司的优势与劣势,最后提出目前我国财产保险市场存在的问题和不足并给出相关建议和对策。

关键字:财产保险;经营绩效;因子分析法;竞争力

Analysis and Evaluation of the Business Performance of China’s Property Insurance Company

ABSRACT

Since the eighty’s our country has restored the insurance business, the insurance market is booming. Among them, the growth of property insurance market which started late is quite rapid in recent years. The premium scale is expanding gradually, showing its great potential for development. With the gradual opening up of the insurance market, the competition between China’s domestic property insurance companies is also intensifying. To be able to make sure the position of each property insurance company in the insurance market, find the strengths and weaknesses in business, improve their business methods and management efficiency to enhance their competitiveness, it must to have a scientific and rational evaluation of the property insurance company’s business performance. According to the insurance industry, this paper first introduces the relevant theory about the method of enterprise management performance evaluation, and the overview of the current situation of our country property insurance market. Then this paper will use the factor analysis and select 12 financial evaluation of business performance to make the empirical analysis of 20 large and small sample property insurance companies whose premium income occupy the vast proportion of China’s domestic insurance market, making comprehensive comparison of various property insurance company’s strengths and weaknesses from different angles. Finally, put forward the currently existing problems and shortcomings of China’s property insurance market and give suggestions and countermeasures.

Key Words: Property Insurance; Business Performance; Factor Analysis; Competitiveness

目 录

1 引言 1

1.1 选题研究的背景 1

1.2选题研究的意义 1

2 企业经营绩效评价相关理论 1

2.1企业经营绩效评价的内涵和意义 2

2.2企业经营绩效评价的方法相关理论 2

3 国内财产保险行业现状 4

3.1财产保险的定义 4

3.2 近年我国财产保险经营现状 4

3.2.1我国财产保险公司的市场现状 4

3.2.2我国财产保险公司的竞争格局 5

4对我国财产保险公司经营绩效的实证分析与评价 7

4.1数据来源与样本选取 7

4.1.1 样本选取 7

4.1.2 指标选取 7

4.2财产保险公司经营绩效实证分析 10

4.2.1 财务指标描述性分析 10

4.2.2 适用性检验 11

4.2.3 公因子提取 11

4.2.4 因子分析 12

4.2.5 因子得分的评价分析 13

5影响我国财产保险公司经营绩效的原因及建议 17

5.1影响我国财产保险公司经营绩效的主要原因 17

5.2 提升我国财产保险公司经营绩效的对策与建议 19

结 论 20

致 谢 21

参考文献 22

1引言

1.1 选题研究的背景

保险业作为一种风险管控的特殊行业,具有补偿职能、投融资职能和社会管理职能。保险是社会经济保障制度的重要组成部分,是社会和谐生产生活的稳定器, 为社会提供安全保障,缓解社会矛盾,协调社会关系,促进社会的正常运转以及社会经济发展提供风险保障。

我国自1980年恢复国内保险业务以来,保险业一直在蓬勃发展,其中我国的财产保险业迅猛成长,保费规模不断扩大,显示出了巨大的增长潜力。经过近几年来的治理,我国财产保险业整体实力和经营效益明显提升,服务经济社会的能力进一步增加,市场秩序有了明显好转。

随着市场竞争的加剧,我国财产保险公司从粗犷经营向精细化管理发展,对经营管理的要求也在不断提高。因此,建立科学的财产保险公司的经营绩效评价体系,选择合理的评价方法分析保险公司的绩效水平,对于方便各财产保险公司改进经营管理中的不足,增强竞争力,实现稳健发展显得尤为重要。

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