【作者】 王辉；

【导师】 江生忠；

【作者基本信息】 南开大学 ， 保险学， 2012， 博士

【摘要】 近十年来，我国寿险业一直保持了较快的发展速度，保费收入规模快速增长，行业资产规模不断扩大。在快速发展的同时，我国寿险业也存在增长波动较大，发展方式粗放等问题。特别是在当前国际金融危机不断深化、我国寿险业面临发展转型的内外部环境下，如何有效规避风险、提高经营效率已经成为了我国寿险业发展所面临的重要问题之一。本文以业务结构为研究对象，以解决我国寿险业改革与发展的现实问题为主线，以我国寿险经营中的风险与效率为研究的切入点，深入分析了寿险业务结构在我国寿险经营与发展中的地位与重要作用。本文运用理论与实践相结合的研究方法，总结并提出了寿险业务结构理论的内涵与范畴，以实证分析的方法运用计量模型深入分析了业务结构与我国寿险经营中风险与效率的具体关系。本文围绕业务结构在我国寿险经营与发展中地位和作用的研究目标，对寿险业务结构的理论基础，寿险业务结构与我国寿险发展的关系，业务结构对我国寿险经营风险和效率的关系以及我国业务结构调整效果与影响等问题进行了深入研究。在主要章节中，本文首先提出了寿险业务结构的概念，并通过分析业务结构在寿险经营中的作用及与经营战略的关系，总结了业务结构对寿险经营的影响，并得出结论认为业务结构对寿险经营的影响主要体现在风险与效率两个方面。而后，本文延续业务结构对风险和效率影响的研究思路，总结归纳了寿险风险和效率的理论，为下文的研究进行了铺垫。此后，本文结合我国近年来寿险行业的发展及其与业务结构变迁的关系，总结业务结构在我国寿险经营中的实际作用；为增强说明的力度，特别选择与我国具有可比性的发达国家——法国的情况进行对比，得出结论认为寿险经营的风险与效率与业务结构有着密切的联系。此后，为定量研究寿险业务结构对我国寿险经营风险与效率的具体影响，本文建立了一套业务结构对我国寿险风险和效率影响效果的实证计量分析模型，采用我国寿险经营的实际数据，从静态、动态和协同效应三个方面分别分析了各种业务结构及相应经营战略与我国寿险经营中风险和效率的定量关系。此后，本文运用所得出的定量分析结果，结合我国寿险行业业务结构调整的实际，分析了业务结构调整的背景、实施及产生的效果，并对今后我国寿险行业业务结构的监管和寿险公司业务结构的优化提出了一些具体的建议。本文最后，概括了全文所得的结论，认为业务结构理论丰富了我国寿险经营管理理论的内涵，通过业务结构优化能够有效降低经营风险、提高经营效率，并提出了在不同条件下优化我国寿险公司业务结构的意见与建议。本文希望通过对业务结构的研究，探索一条我国寿险经营中，风险可控前提下，效率最大化的经营发展道路。更多还原

【Abstract】 In the past ten years, life insurance industry of China has maintained rapid rate of development. The scale of premium income grows rapidly and total assets of the industry continue to expand. Simultaneously, life insurance industry has some problems such as big fluctuation of growth and depletion development. As the current international financial crisis deepens and life insurance industry will go through developmental transformation, how to avoid risk effectively and to improve management efficiency become the core issue of life insurance development in such external and internal environment.The main research object of this paper is to study business structure of life insurance. The main line is to study how to solve practical problems of life insurance industry. The pointcut is study the risk and efficiency in the operation of the industry and to analyse the position and function of business structure in the management and development of this industry. Combining theory with practice, this paper summarized and put forward the connotation as well as category of life insurance business structure theory. With the help of econometric model and empirical analysis, this paper studied detailed relationship between business structure and the risk and efficiency of life insurance business in China.Revolving the research objective which is to analyse the position and function of business structure in the management and development of life insurance industry, this paper went further into the relationship between theoretical basis of business structure and development of life insurance, and into the effect of business structure adjustment in China. In main chapters, this paper raised the concept of life insurance business structure,analysed the effect of business structure in management process and its relationship with management strategy, summarized the real effect of business structure and concluded that business structure effects life insurance management from two aspects, risk and efficiency.Then using the research thought which focus on the effect of business structure on risk and efficiency, this paper summarized the basis theories of life insurance risk and efficiency which are beneficial to the following study. Then this paper analysed the relationship between the development of life insurance industry and the change of business structure; summed up the real effect of business structure. In order to strengthen the argument, this paper compared the related variables of China to that of France, a developed country who is comparable to our country, and concluded that the risk and efficiency of life insurance relates closely to business structure. In order to study the specific influence of business structure on risk and efficiency of life insurance management, this paper set up an econometric analysis model to study the influence of business structure on risk and efficiency. The model used real data from life insurance business and analysed different business structures as well as the quantitative relationship of different business strategies with the risk and efficiency of life insurance management, from three aspects including static effect, dynamic effect and synergistic effect. Considering the reality of business structure adjustment in life insurance industry, this paper analysed the background, implement and effect of this adjustment based on the result of quantitative analysis acquired earlier in this paper. This paper also made concrete suggestions on the supervision and optimization of business structure adjustment in life insurance industry. At last, the author summarized all conclusions obtained throughout this paper; pointed out that the theory of business structure enriches the connotation of life insurance management theory and that optimization of business structure contributes to reducing business risks and improving efficiency effectively; and made suggestions on the optimization of business structure under different circumstances. The author hopes that the research of business structure will open up a way to maximum efficiency in life insurance management on the premise controllable risk.更多还原