臺灣地區產險公司經營效率之研究 : 結合DEA視窗分析法及Malmquist指數法之應用

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Title:	臺灣地區產險公司經營效率之研究 : 結合DEA視窗分析法及Malmquist指數法之應用
Other Titles:	A study on operating efficiency of non-life insurance companies in Taiwan : combining DEA window analysis with the Malmquist index approach
Authors:	許品偉;Hsu, Pin-wei
Contributors:	淡江大學保險學系保險經營碩士在職專班高棟梁;Kao, Tong-liang
Keywords:	產險公司;資料包絡分析法;變動規模報酬;Malmquist指數法;視窗分析;Non-life Insurance company;Data Envelopment Analysis;Variable Return to Scale;Malmquist DEA;Windows Analysis
Date:	2007
Issue Date:	2010-01-11 02:05:28 (UTC+8)
Abstract:	我國產險保險市場近二十年來，從封閉之保險市場，然後階段式的開放各國產險業進入，使臺灣地區之產險業維持每年的保險費收入高成長率至2000年以後成長趨緩，甚至2006年還衰退3.64%。而產險業競爭的策略也影響公司之經營。如何依過往資料中發掘那些公司績效良好值得學習，那些可作為他家公司之借鏡即是本研究之目的。本研究利用資料包絡分析法中之視窗分析及Malmquist指數法來衡量1986年至2005年間臺灣地區13家本國產險公司的相對效率及規模效率。首先，將產險業的生產過程分為行銷階段及獲利階段，分別加以評估。結果發現在行銷階段產險公司中以中國、富邦、台灣產物等三家效率較佳，而太平及國華產物等二家效率偏低且不穩定。而獲利階段效率較低者為國華、太平、中央產物等三家。 In the past twenty years, the market of non-life insurance company is gradually aggressive and global due to the insurance deregulations at the different stages. It results in a high growth rate of premium income till 2000. However, the growth rate of premium income is getting low, even a recession of 3.64% in 2006. In fact, the performance of non-life insurance company relies on it’s market strategy. The purpose of this research is to find out the well-performed non-life insurance companies together with their merits, which can be a good example to other companies. This research adopts the Data Envelopment Analysis(DEA) and Malmquist Approaches to evaluate the performance efficiency of thirteen local non-life insurance companies in Taiwan based on the relative efficiency and scale efficiency during the period from 1986 to 2005. From the aspect of marketing stage, Fubon Insurance Co.,Ltd., Chung Kuo Insurance Co.,Ltd. and Taiwan Fire & Marine Insurance Co., Ltd. have better performances and The Taiping Insurance Co., Ltd., Kuo-hua Insurance Co., Ltd. show worse and unstable performance amongst these thirteen companies. From the aspect of the profitability stage, The Taiping Insurance Co., Ltd., Kuo-hua Insurance Co., Ltd. and Central Insurance Co., Ltd. have worse results amongst them.
Appears in Collections:	[Graduate Institute & Department of Insurance Insurance] Thesis

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