本研究運用資料包絡分析法，衡量兩岸產險業者於行銷和自留階段之效率，研究結果發現在傳統一階段資料包絡分析法中，台灣整體之效率值高於大陸，但若區分為兩階段，行銷階段台灣效率值高於大陸，自留階段方面則是大陸較佳。此外，運用Tobit迴歸衡量影響上述效率值之關鍵因素，發現影響台灣效率值之因素為簽單保費和整體保費自留比率，大陸則對於非車險比重有顯著影響。 Non-life insurance market in Taiwan has been more competitive in recent years. Therefore, non-life insurance companies change their reinsurance planning and retention strategy to increase their net retained underwriting profit which represents actually final underwriting profit after reinsurance.
This study uses two-stage DEA to measure the insurer’s operating efficiency in marketing stage and retention stage, and also uses one-stage DEA to measure net retention efficiency directly. We find that the net retention efficiency of Taiwan is better than that of China by using one-stage DEA. When using two-stage DEA, we find the marketing efficiency of Taiwan is better than that of China, but the retention efficiency seems to be not consistent across the strait. This study also uses tobit regression to find the factors influencing the efficiency above. The results reveal that direct written premiums and overall retention ratio are the significantly factors in Taiwan, while the non-automobile Insurance ratio in China.