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中文摘要：
本文运用修正的SBM方向性距离函数和Luenberger生产率指标测度了29家中国寿险公司2004～2011年退保约束下的运行效率及其动态演进。研究发现：内、外资寿险企业的技术效率远高于合资寿险企业；退保金、营业费用和劳动力是中国寿险企业效率损失的主要来源。从动态视角来看，中国寿险企业全要素生产率在考察期稳步增长，合资与外资寿险企业主要依靠纯效率改善带动，而内资寿险企业更多的是凭借技术进步，一定程度上说明了中国以“以市场换技术”的政策取得预期成效，但寿险企业的快速成长并没有带来规模效率的大幅改善。
英文摘要：
This paper applied modified SBM Directional Distance Function and Luenberger productivity indicator to measure the performance and dynamic evolution of 29 Chinese life insurance companies under the surrender con- straint during 2004 - 2011. The results showed that the technical efficiency of domestic insurers and foreign insurers was much higher than that of joint venture insurers;the inefficiency of Chinese life insurers mainly came from excess of surrender, operating expenses and labor cost;from the dynamic perspective, the total factor productivity of Chinese life insurers exhibited stable growth through the review period, but the growth of domestic insurers was mostly driven by technical progress while for foreign and joint venture insurers, it was mostly driven by pure efficiency improve- ment. This, to some extent,indicated that China＇ s ＂ trading domestic market for technology＂ achieved expected re- sults, but the life insurers＇ rapid growth didn＇t bring about significant improvement in scale efficiency
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