本研究以國內產物保險業具代表性個案公司之內部營業單位為對象，選取2003至2006年之微觀資料，以共同隨機邊界距離函數法探討個案公司分布台灣南北兩區不同營業單位之生產力變動與效率追趕情況。主要實證結果如下，首先，在南北兩區的效率分析方面，變動規模報酬下之南區營業單位顯著小於北區之技術效率，至於變動規模報酬下之共同邊界技術效率及技術缺口比率均不具顯著差異。其次，在固定規模報酬假設下之技術效率，除了南區營業單位個別群組技術效率顯著小於北區營業單位個別群組的技術效率外，其餘共同邊界技術效率及技術缺口比率在南北兩區之營業單位均未具顯著差異。另外，在南北兩區的共同邊界生產力變動方面，南北兩區的共同邊界生產力變動指數雖無顯著差異，然其個別區域生產力變動及技術缺口比率變動等組成要素卻有部份具顯著差異。在個別區域生產力變動方面，南北區營業單位之個別區域生產力變動及其固定規模報酬技術效率變動與技術變動均未具顯著差異。至於變動規模報酬技術效率變動及規模效率變動等兩個組成要素在南北區營業單位間亦無顯著差異。至於南北區營業單位技術缺口比率變動率及其組成要素變動的檢定結果方面，南區營業單位技術追趕未顯著大於北區營業單位，然在潛在技術變動差異性方面，南區營業單位生產技術相對於潛在技術水準可以提升的空間顯著小於北區。綜合而言，相對於過去以產業保險產業層次分析之文獻，本研究以台灣本土具產業代表性個案公司內部營業單位微觀層次資料進行分析，及將課題延伸至生產力變動及效率追趕之實證資訊，或能提供攸關的資訊予台灣產險業管理階層進行決策之參考。 This paper uses the Meta-frontier Input Distance Function to compare the change of productivity and catch-up efficiency to the different business units which are located in Taiwan’s north and south areas under the case company, during the sample period 2003–2006. The main empirical results are as follows: 1.In the north and south two areas efficiency analysis aspects, the technical efficiency of south area business units is significant smaller than north area under variable return to scale. However, there is no significant difference in the meta-frontier technical efficiency and technology gap ratio between north and south areas under variable return to scale. The results which are under constant return to scale are same as under variable return to scale. 2.In the north and south two areas meta-frontier productivity change analysis aspects, there is no significant difference in Meta-frontier Malmquist Productivity Index between north and south areas. But there is a significant difference in the partial elements of group productivity change and technology gap ratio change. In group productivity change aspects, there is no significant difference in group productivity change and the technical efficiency change and technical change under constant return to scale. Then, there is no significant difference in the technical efficiency change and scale efficiency change under variable return to scale. 3.In north and south area business units’ technology gap ratio change and component elements change examination result aspects; the technical catch-up of south areas business units is not significant over north areas business units. Then, in potential technological change aspects, the production technology of south area business units may improve space obviously smaller than north area. In sum, comparing to past papers which focused mainly on the industry hierarchy of property insurance companies, we perform further micro analysis, or detail-oriented, and focus on the internal business units with the purpose of providing additional relevant information for managers’ better strategy making reference.
