한국융합학회논문지 (Journal of the Korea Convergence Society)

  • 제13권3호
  • /
  • Pages.217-225
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  • 2022
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  • 2233-4890(pISSN)
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  • 2713-6353(eISSN)
한국융합학회 (Korea Convergence Society)
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DEA를 이용한 인도 손해보험회사의 효율성 및 생산성 분석

An Analysis of Productivity and Efficiency in Indian Non-Life Insurance Companies: DEA-Based Approach

  • 서대교 (건국대학교 글로컬캠퍼스 경제통상학과) ;
  • 권용재 (국민대학교 재무금융.회계학부)
  • Seo, Daigyo (Department of Economics and Trade, Konkuk University) ;
  • Kwon, Yongjae (School of Finance and Accounting, Kookmin University)
  • 투고 : 2021.12.16
  • 심사 : 2022.03.20
  • 발행 : 2022.03.28
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초록

본 연구는 2020년부터 코로나 바이러스의 영향을 받고 있는 인도 손해보험시장의 효율성과 생산성을 분석하였다. 비모수적 연구방법인 자료포락분석(DEA)을 사용하여 FY2013년부터 FY2019년까지 인도에서 건강보험 상품을 판매하고 있는 손해보험회사들을 표본으로 하였다. 분석 결과는 다음과 같다. 첫째, 전체 보험산업의 평균 효율성은 표본기간 동안 효율성이 감소하다가 개선되는 결과를 보여주었다. 둘째, 효율성 측정치를 그룹별로 살펴보면 민영보험회사가 효율성이 가장 높았으며 국영보험회사와 순수건강전문보험회사가 그 뒤를 따르고 있었다. 셋째, 연평균 생산성을 측정한 결과 전통적인 대면채널보다 텔레마케팅을 포함한 비대면채널을 운영한 보험회사의 연평균 생산성 증가율이 더 높은 것으로 파악되었다. 따라서 코로나 바이러스의 창궐로 인하여 비대면영업환경이 주를 이루는 가운데 향후 인도 손해보험회사는 영업전략 수립 시 비대면채널의 발전에 자원과 노력을 집중해야 할 것으로 보인다. 더불어 본 연구의 분석을 코로나 바이러스 창궐 이후 기간에 적용하는 것도 흥미로워 보인다.

We analyzed efficiency and productivity of the Indian non-life insurance market affected by the COVID-19 pandemic from 2020. Using data envelopment analysis(DEA), we examined non-life insurance companies selling health insurance products in India from FY2013 to FY2019. We found the followings. First, average efficiency of the entire non-life insurance industry worsened in the beginning yet improved later. Second, analyzing the efficiency measures by group, we found that private insurance companies had the highest efficiency, followed by state-run insurance companies and pure health insurance companies. Third, average annual productivity growth rate of companies operating distance selling channels including telemarketing is higher than that of traditional face-to-face channels. During and after the COVID-19 pandemic, therefore, Indian non-life insurance companies should focus their resources and efforts on the development of distance selling channels when establishing business strategies. Besides, it would be interesting to extend our analysis to the post-coronavirus period and we leave this for future research.

키워드

과제정보

This paper was supported by Konkuk University in 2021.

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