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

Autores/as

  • Sara Suárez Fernández Universidad de Oviedo Departamento de Economia
  • Raquel Quiroga-Garcia
  • Isabel María Manzano Pérez Departamento de Economía Cuantitativa Universidad de Oviedo

DOI:

https://doi.org/10.46661/rev.metodoscuant.econ.empresa.8054

Palabras clave:

Eficiencia, rentabilidad, Seguro, Análisis envolvente de datos

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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Citas

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Publicado

2024-02-26

Cómo citar

Sara Suárez Fernández, Quiroga-Garcia, R., & Manzano Pérez, I. M. (2024). Analizando la relación entre la eficiencia y la rentabilidad en el mercado de seguros no vida. Revista De Métodos Cuantitativos Para La Economía Y La Empresa, 1–20. https://doi.org/10.46661/rev.metodoscuant.econ.empresa.8054

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