Using DEA to Measure Retention Efficiency of Cross-Strait Non-Life Insurance Companies

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题名:	Using DEA to Measure Retention Efficiency of Cross-Strait Non-Life Insurance Companies
作者:	Chang, Ya-Ying;Kao, Tong-Liang;Chen, Ying-Erh
关键词:	Non-life insurance;Efficiency;DEA;Tobit regression
日期:	2016-07-29
上传时间:	2016-10-05 02:10:44 (UTC+8)
出版者:	Tsinghua University Press
摘要:	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.
關聯:	2016 China International Conference on Insurance and Risk Management
显示于类别:	[風險管理與保險學系] 會議論文

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