四家上市保险公司绩效的统计分析摘要保险作为金融业的三大支柱之一，保险的快速发展为市场经济的良好运转提供了有力支撑和金融保障，保险公司的经营绩效不仅关乎保险公司自身的运营发展更将对整个国民经济的发展产生深远影响。本文选取了相继在我国境内上市的4家上市保险公司为分析对象，通过分析上市保险公司的财务数据指标，选取赔付率、资产负债率、利润率、退保率等相关的数据指标进行统计分析，运用统计分析法中的描述性统计方法对保险绩效进行分析，分别从保险公司的盈利能力、运营能力及经营稳健性方面的进行分析，并找出相对应的提升保险绩效的建议对策，旨在为国家宏观调控、政府职能转变、投资决策者提供有价值的参考意见。关键词：金融企业；绩效分析；保险公司；描述性统计分析Statisticalanalysisofthefourlistedinsurancecompany’sperformanceAbstractInsuranceasoneofthethreepillarsofthefinancialindustry,therapiddevelopmentoftheinsuranceprovidedstrongsupportandfinancialguaranteeforthesmoothfunctioningofthemarketeconomy,theinsurancecompany'soperatingperformancewillnotonlyaboutthedevelopmentofthenationaleconomymoreinsurancecompany'sownoperationaldevelopmenthaveaprofoundimpact.Thispaperselectedfourlistedinsurancecompanieshavebeeninourcountryfortheanalysisofobjectslistedbytheanalysisoffinancialdataindicatorslistedinsurancecompanies,selectedindicatorsrelevantdatalossratio,debtratio,profitability,lapseratesandotherstatisticalanalysisusingstatisticalanalysisofdescriptivestatisticstoanalyzetheperformanceoftheinsurance,respectively,fromtheinsurancecompanyinprofitability,operationalcapacityandsoundmanagementintermsofanalysisandtoidentifythecorrespondingrecommendationstoenhancethesafetyperformancemeasures,aimedinthenationalmacro-control,transformationofgovernmentfunctions,provideavaluablereferenceviewsinvestmentdecision-makers.Keywords:Financialfirm;Performanceanalysis;insurancecompany;DescriptiveStatistical目录论文总页数：17页TOC\o"1-3"\h\z\uHYPERLINK\l"_Toc421785144"1引言PAGEREF_Toc421785144\h1HYPERLINK\l"_Toc421785145"1.1课题背景及意义PAGEREF_Toc421785145\h1HYPERLINK\l"_Toc421785146"1.1.1课题背景PAGEREF_Toc421785146\h1HYPERLINK\l"_Toc421785147"1.1.2课题意义PAGEREF_Toc421785147\h1HYPERLINK\l"_Toc421785148"1.2国内外研究现状PAGEREF_Toc421785148\h1HYPERLINK\l"_Toc421785149"1.2.1绩效评价的研究现状PAGEREF_Toc421785149\h1HYPERLINK\l"_Toc421785150"1.2.2绩效统计分析在保险中研究现状PAGEREF_Toc421785150\h2HYPERLINK\l"_Toc4