An econometric analysis on business efficiency factors of insurance industry of China

As the analysis of business efficiency factors, this essay will mainly concentrate on effect from inner and micro factors. Moreover, the essay adopts company scale, proprietorship, human capital, and market share rate as independent variables, and the malmquist index, Technical Change and Efficiency Change as variables to set the model. Then it is found that the employee quality and market share rate is the most significant inner factors of business efficiency and determinate factors for insurance companies.