以人保财险公司为例,运用灰色系统理论中的灰色关联模型,以外资保险公司全面进入中国保险市场为标志,对比分析了非寿险公司外部市场要素的各指标因素对其盈利能力的影响程度。结论表明:我国保险市场对外资保险公司全面开放后,外部市场要素对非寿险公司盈利能力的影响增强,市场集中度对公司盈利能力的影响相对于保险密度和保险深度减弱。非寿险业的相对市场占有率对非寿险公司盈利能力影响最大,依次是保险密度、保险深度、市场集中度。根据灰色关联分析结果,从外部市场角度,提出增强非寿险公司盈利能力的建议。
We use grey relational model to analyze the impact of external elements of a non-life insurance com- pany to its profitability under the background of foreign insurance companies entering Chinese insurance market. The results show that the impact of external elements of a non-life insurance company to its profitability is increas- ing with foreign insurance companies entering Chinese insurance market. The relative market share of a non-life in- surance company is the biggest impact element to its profitability, then followed by insurance density, insurance penetration, and market concentration. Finally, based on the results of grey relational analysis, we propose some suggestions to promote the profitability of a non-life insurance company.