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Comparando con las grandes. Retos para las aseguradoras en reducción de costos

Author

Listed:
  • Fuentes-Castro, Hugo Javier.

    () (Instituto Tecnológico y de Estudios Superiores de Monterrey)

  • Reyna-Bernal, Ana María.

    () (Instituto Tecnológico y de Estudios Superiores de Monterrey)

Abstract

Este artículo utiliza la descomposición de las fuentes económicas de las variaciones de los costos para examinar las características de las empresas eficientes de la industria de seguros en México. A fin de asegurar consistencia en la comparación, el mercado se segmentó en tres grupos de acuerdo a su especialidad, y se presenta en el ejercicio de comparación, una o más empresas eficientes en cada grupo. Siguiendo un modelo basado en el análisis de frontera no paramétrico, la diferencia en el costo de las empresas eficientes respecto a sus pares se descompone en el efecto de los precios, la escala, la eficiencia técnica y la eficiencia asignativa. De esta forma se hacen evidentes las ventajas de las aseguradoras más eficientes en costos. El análisis, de corte transversal, fue aplicado a datos del periodo 2008-2012 para observar la evolución de las empresas eficientes respecto a su grupo durante cinco años./ This paper utilizes the decomposition of economic sources of cost variations to examine efficient firms’ characteristics in the insurance industry in Mexico. In order to assure consistent comparison, this market was segmented into three groups according to their specialization, and one or more efficient companies of each group are presented in the benchmarking exercise. Following a model based on a non-parametric frontier analysis, the difference in cost, between efficient firms and their peers, is decomposed into: input price, scale, technical efficiency and allocative efficiency effects. In this way, advantages of more cost efficient insurers become evident. The cross-sectional analysis was applied to 2008-2012 data to observe evolution of efficient companies regarding their group during five years.

Suggested Citation

  • Fuentes-Castro, Hugo Javier. & Reyna-Bernal, Ana María., 2014. "Comparando con las grandes. Retos para las aseguradoras en reducción de costos," Panorama Económico, Escuela Superior de Economía, Instituto Politécnico Nacional, vol. 0(19), pages 7-32, segundo s.
  • Handle: RePEc:ipn:panora:v:x:y:2014:i:19:p:7-32
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    References listed on IDEAS

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    Keywords

    seguros; eficiencia en costo; DEA./ insurance; cost efficiency; DEA.;

    JEL classification:

    • C14 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods and Methodology: General - - - Semiparametric and Nonparametric Methods: General
    • C67 - Mathematical and Quantitative Methods - - Mathematical Methods; Programming Models; Mathematical and Simulation Modeling - - - Input-Output Models
    • D61 - Microeconomics - - Welfare Economics - - - Allocative Efficiency; Cost-Benefit Analysis
    • G14 - Financial Economics - - General Financial Markets - - - Information and Market Efficiency; Event Studies; Insider Trading
    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies

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