Analizando la relación entre la eficiencia y la rentabilidad en el mercado de seguros no vida

  1. Sara Suárez Fernández 1
  2. Raquel Quiroga-Garcia 1
  3. Isabel María Manzano Pérez 1
  1. 1 Universidad de Oviedo
    info

    Universidad de Oviedo

    Oviedo, España

    ROR https://ror.org/006gksa02

Revista:
Revista de métodos cuantitativos para la economía y la empresa

ISSN: 1886-516X

Año de publicación: 2024

Volumen: 37

Páginas: 1-20

Tipo: Artículo

DOI: 10.46661/REV.METODOSCUANT.ECON.EMPRESA.8054 DIALNET GOOGLE SCHOLAR lock_openAcceso abierto editor

Otras publicaciones en: Revista de métodos cuantitativos para la economía y la empresa

Resumen

En los últimos años, el estudio del mercado asegurador se ha focalizado únicamente en analizar su eficiencia o su rentabilidad, pero hasta ahora no se ha abordado la relación entre ambas, al menos para el mercado asegurador español. En este trabajo, tratamos de contribuir al estudio conjunto de esas dos variables examinando la relación entre las puntuaciones de eficiencia obtenidas mediante un DEA en dos etapas y los valores de los ratios financieros habituales en este sector (ROE, ROA, Ratio Técnico, Ratio Combinado y Ratio de Siniestralidad). Para ello, utilizamos una muestra de 111 empresas del mercado español de seguros de no vida para el periodo 2008-2017. Nuestros resultados muestran una relación positiva entre eficiencia y rentabilidad que presenta rendimientos decrecientes, siendo el efecto positivo de la eficiencia sobre los ratios de beneficio menor para las empresas más eficientes.

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Fuente de los datos: Dialnet