我國產險公司經營績效之研究

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Please use this identifier to cite or link to this item: https://tkuir.lib.tku.edu.tw/dspace/handle/987654321/32261

Title:	我國產險公司經營績效之研究
Other Titles:	A study on the performances of property-liability insurance companies in Taiwan
Authors:	周宜慧;Chou, Yi-huei
Contributors:	淡江大學保險學系保險經營碩士班邱忠榮;Chiou, Jong-rong
Date:	2005
Issue Date:	2010-01-11 01:54:37 (UTC+8)
Abstract:	近年來，國內總體金融環境發生重大的變化，自2000年底開始央行共調降了15次利率，且2001年底金控法亦開始實施。這對保險公司的經營績效產生了相當程度的影響。我們可以觀察到，國內產險公司上市的頻率大增，且加入金控的動作頻繁，職是之故，本研究主旨在瞭解國內產險公司在此重大經營環境變動下，經營績效之變化。在研究方法上，本研究採用資料包絡分析法為之，並以保費收入及財務收入為產出變數，營業費用及員工人數為投入變數，利用資料包絡分析法之CCR模式、BCC模式及Malmquist生產力指數法來分析年度間經營績效的變化、生產力變動趨勢。並以視窗分析法衡量金控及非金控架構下的上市產險公司經營績效之差別。　　研究結果發現，利率的變化對於產險公司來說，應當具有一定的影響力。上市與否對於利率的敏感程度並無明顯的差異性存在。而或許是因為國內金控公司之成立仍屬初期階段，而且國內屬於金控架構下之產險公司亦不多，因此在本研究期間內，金控與非金控架構下產險公司的效率值並未具有明顯的差異性。而四家金控架構下之產險公司加入金控前後期間效率排名之變動，雖然亦無很明顯的變動，但是仍隱約可感覺出各公司在加入金控後，與其他產險公司相較下，績效排名還是有些微的提升，因此可推測加入金控對於各公司來說仍具有影響力。 In recent years, the integrated domestic financial environment has consequential alteration. Particularly, the Central Bank has lowered the rates for fifteen times from 2000, and the “Financial Holding Company Law” has been adopted from 2001. These changes of the financial environment made a great impact on the insurance companies. As a result, this study is trying to know how the property-liability insurance companies’ management efficiency changed under this kind of financial environment. This study uses the Data Envelopment Analysis (DEA) Approach to evaluate the performances of the listed and non-listed, holding and non-holding property-liability insurance companies in Taiwan. The results show that the changes of interest rates impacted on the property-liability insurance companies, but did not make a significant difference between the listed and non-listed companies. The performances of the four property-liability insurance companies also have some unapparent improvements after they joined the financial holding companies. This result may be due to that financial holding companies are still in the initial stage.
Appears in Collections:	[Graduate Institute & Department of Insurance Insurance] Thesis

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