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DEA모형을 이용한 우리나라 손해보험회사의 효율성 분석에 관한 연구
허화 ( Hwa Huh ),김병철 ( Bung Chul Kim ) 한국금융공학회 2005 금융공학연구 Vol.4 No.1
본 연구는 IMF 이후 국내 손해보험회사들의 내적 효율성과 고객만족도에 의한 외적 효율성을 DEA모형을 이용하여 분석 해본 결과 전체적으로 비효율적 이었고 원인은 주로 규모의 비효율성에 기인된 것으로 나타났으며, 투입 변수로는 업무용 고정자산이 가장 비효율적 이었고, 회귀분석 결과 모집인 비율이 높을수록, 순사업 비율, 신계약, 수금비율, 인건비 비율, 물건비 비율, 건물비 비율은 감축할수록 전체 효율성이 증대 되었다. 그리고 전체 효율성과 고객만족 지수와의 상관관계에서는 특별한 관계를 찾을 수 없었다. This paper investigated the efficiency measures of the non-life insurance firms in korea using DEA(Data Envelopment Analysis) model, which is nonparametric efficiency measurement method. DEA has been used in measuring the relative efficiencies of DMU(decision making unit) and it provides overall efficiency, technical efficiency, allocative eficiency, scale efficiency, pure technical efficiency of individual DMUs. and it is useful to offer an incentive to inefficienct firms which want to become the efficient firms. To measure the efficienc, using the time-series data for six years from 1998 to 2003, targeting for the ten non-life insurance firms in korea. To measure the internal efficiency and the external efficiency, DEA metod and CSI(customer satisfaction index) are adopted in this study. The result of this study were summarized as follows: First, Overall inefficiency showed that approximately 13.2% of inefficiency existed on the non-life insurance firms. and it revealed that the cause for overall inefficiency was due to technical inefficiency rather than allocative inefficiency. Such technical inefficiency arose from scale inefficiency rather than pure tecjnical inefficiency. Second, the large firms operated more efficiently than the small-to-mid sized firms with respect to the areas of overall efficiency, scale efficiency. Third, the results of the multiple regression analysis showed that overall efficiency was positively related to collection ratio but was negatively related to expenses ratio. Forth, the result of correlation analysis among the CSI and net profit, overall efficiency, CSI have a little correlation with overall efficiency score and net profit strongly correlated to overall efficiency score. Even though this study is not satisfactory and insufficiency to give manageraial guideline to the non-life insurance firms, The results of this study will be helpful to further studies in this filed and offer implications.
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