تحلیل کارایی و رشد بهرهوری صنعت بیمه ایران: رویکرد مبتنی بر تحلیل پوششی دادهها
کلمات کلیدی:
تحلیل پوششی دادهها, اندازه کارایی راسل, شاخص بهرهوری مالم کوئیست, صنعت بیمهچکیده
صنعت بیمه یکی از ارکان حیاتی نظام مالی بهشمار میرود که با ایفای نقش در مدیریت ریسک، ارتقای تابآوری اقتصادی و تسهیل سرمایهگذاری، اهمیت فزایندهای در اقتصادهای نوظهور و پرتلاطم مانند ایران دارد. پژوهش حاضر با هدف ارزیابی عملکرد و تحلیل روند بهرهوری شرکتهای بیمه در ایران طی سالهای ۱۳۹۶ تا ۱۴۰۲، از رویکرد تحلیل پوششی دادهها (DEA) بر پایه مدل غیرشعاعی راسل و شاخص بهرهوری مالمکوئیست بهرهگیری کرده است. همچنین اثرگذاری متغیرهای زمینهای نظیر سرمایه، تعداد شعب و قدمت شرکتها بر کارایی با استفاده از مدل رگرسیون خطی مورد بررسی قرار گرفته است. برای این منظور از نرم افزار گمز استفاده شده است. یافتهها نشان میدهد که طی بازه مورد بررسی، صنعت بیمه ایران با روندی ناپایدار و عمدتاً نزولی در کارایی مواجه بوده است، بهویژه در سالهای بحرانی مانند 1400-۱۴۰۱ که افت چشمگیری در شاخصهای فناوری و بهرهوری مشاهده شده است. با این حال، در برخی سالها نشانههایی از بازیابی عملکرد و ظرفیت بالقوه برای رشد دیده میشود. نتایج همچنین حاکی از آن است که افزایش سرمایه بهتنهایی تضمینی برای ارتقاء کارایی نبوده و ساختارهای سنتی یا غیربهرهور مانع از استفاده بهینه از منابع شدهاند.
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حق نشر 2025 ماریه نعمتی زاده (نویسنده مسئول); مریم نعمتی زاده (نویسنده)

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