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    Title: 開放保險市場對我國產險業經營效率之影響
    Authors: 張宸睿
    Contributors: 林良楓
    張宸睿
    Keywords: 產險業
    經營效率
    資料包絡分析法
    市場開放
    Date: 2004
    Issue Date: 2009-09-11 17:24:25 (UTC+8)
    Abstract: 1980年代世界各國的金融保險業興起一股自由化的風潮，而我國也在1986
    年給予美商保險公司國民待遇，1992開放國人設立保險公司，1994年開放所有外商保險公司來台設立分公司，自此申請設立保險公司完全自由化。
    本研究採用資料包絡分析法計算效率值，並使用「大邊界」的觀念建構出單一效率邊界，探討我國產險公司在開放保險市場前後的效率變動情形。本研究的主要結果如下：1.根據單變量無母數統計分析，整體產險業與開放前本國舊產險公司，其純技術效率值在開放後均大於開放前且達到顯著水準；其規模效率值在開放後則小於開放前且達到顯著性，表示市場的開放對我國產險業確實有影響。2.新產險公司的整體技術效率值、純技術效率值與規模效率值均顯著高於舊產險公司，顯示這些新進入的外商產險公司其全球化的經驗較我國舊產險公司更成熟。3.在控制相關公司特性後，Tobit迴歸分析的結果發現，市場開放與產險業之經營效率呈現負向關係，顯示單純的市場開放並無法增加產險業者之經營效率。本研究結果說明在市場開放後，產險業者欲增加經營效率，必須在產品創新，通路流暢下功夫才能增加經營效率。
    Since 1980s, all over the world has been emerging a trend of deregulation and liberalization of financial insurance industry. At the same time, Taiwan also started to open the property-liability insurance market gradually. First, in 1986, Taiwan treated the US insurers as the local company; then, in 1992, opening the market for the new local insurers, and in 1994, Taiwan fully deregulated the property-liability insurance industry.
    This research applied Data Envelopment Analysis (DEA) to measure efficiency scores, and applied Grand Frontier to measure the trend of efficiency change before and after deregulation. The major findings of this research are as follows：(1) base on the univariate statistic analysis, the overall property-liability insurance industry and the incumbent insurers reveal a higher pure technology efficiency score in the post-deregulation than that of before-deregulation; however, the scale efficiency score was denoted the opposite situation in post and before deregulation ear, and both of the statistical results are significant. The findings support deregulation has some effect on the efficiency of property-liability insurance industry. (2) The new entries have a higher efficiency score in both overall technology efficiency and pure technology than the incumbents; the result implies that those foreign property-liability insurers with their global experience do perform better efficient management than those of local incumbents. (3) After controlling the characteristics of the insurers and some other variables, Tobit regression analysis illustrated a negative relationship between deregulation and efficiencies. The finding implies that deregulation itself won’t increase the efficiency of the industry. Therefore, the implication of this research suggests that the insurers should compete with others in product innovations and distribution facilitations in order to increase the efficiencies.
    Reference: 一、 中文部分
    江婕寧，2003，美國金融控股公司與非金融控股公司經營績效之比較—DEA之應用，國立台灣大學國家發展研究所未出版碩士論文。
    邱楓民，2002，有無集團背景與經營效率之相關性研究-本國產險公司之實證，國立政治大學風險與管理研究所未出版碩士論文。
    吳伯樹，2004，台灣地區產物保險業經營效率之研究，元智大學會計研究所未出版碩士論文。
    吳佩萱，2002，台灣銀行業之效率與風險研究，銘傳大學金融研究所未出版碩士論文。
    李君屏，1994，壽險公司經營效率之衡量-資料包絡分析法之應用，逢甲大學保險研究所未出版碩士論文。
    胡家熀，2005，實施RBC對美國產險公司成本與技術效率之影響—資料包絡分析法之應用，國立政治大學會計研究所未出版碩士論文。
    許嘉玲，1999，我國銀行業生產移轉與規模效率之研究，國立交通大學經營管理研究所未出版論碩士論文。
    陳禹廷，2002，我國產險業經營績效之研究─資料包絡分析法之應用，朝陽科技大學保險金融管理研究所未出版論碩士論文。
    葉彩蓮，陳澤義，2000，壽險業資源使用效率之衡量，臺灣銀行季刊，第五十一卷，第一期，322-341。
    廖雅亭，2003，金融控股公司成立前後台灣金融業之效率分析，國立台北大學經經濟學系碩士論文。
    蔡蕙鈺，2001，應用資料包絡分析法與主成分分析法在國內產物保險業經營效率分析之研究，長庚大學企業管理研究所未出版碩士論文。
    鄭秀娟，1996，台灣地區壽險業經營績效之研究，銘傳大學管理科學研究所未出版碩士論文。
    鍾怡如，1999，開放新銀行設立對舊銀行經營效率的影響，國立政治大學會計研究所未出版碩士論文。
    二、 英文部分
    Banker, R.D., A. Charnes, and W. W. Cooper. 1984. Some models for estimating technical and scale inefficiencies in Data Envelopment Analysis. Management Science 30: 387-1092.
    Berg, A. Sigbjorn, Finn R. Forsund, and Eilev S. Jasen. 1992. Malmquist Indices of Productivity Growth During the Deregulation of Norwegian Banking 1980-1989. Scandinavian Journal of Economics Supplement 94:211-228.
    Berger, Allen N., and David B. Humphrey. 1997. Efficiency of financial institution: International Survey and Directions for Future Research.European Journal of Operational Research 98: 175-212.
    Berger, A. N., J. D. Cummins, and M. A. Weiss, 1997. The coexistence of multiple distribution system for financial service. Journal of Business 70:515-546
    Bhattacharyya, Arunava, C.A.K Lovell, and Pankaj Sahay. 1997. The impact of
    liberalization on the productive efficiency of Indian commercial banks.European Journal of Operational Research 98: 332-345.
    Charnes, A., W. W. Cooper, and E. Rhodes. 1978. Measuring the efficiency of decision making units. European Journal of Operational Research 6(November): 429-444.
    Cummins, J. D., and M. A. Weiss, 1993. Measuring cost efficiency in the property-liability insurance industry. Journal of Banking and Finance 16:933-948
    Cummins, J. D., M. A. Weiss, and H. Zi. 1999. Organizational form and efficiency: The coexistence of stock and mutual property-liability insurers.
    Cummins, J. D.,Sharon Tennyson, and Mary A. Weiss, 1999. Consolidation and Efficiency in the US Life Insurance Industry. Journal of Banking and Finance 23:325-357.
    Cummins, J. D., G. Turchetti, and M. A. Weiss. 1996. Productivity and technical efficiency in the Italian insurance industry. Working paper, Wharton Financial Institutions Center, University of Pennysylvania, Philadelphia.
    Farrell, M. J. 1957. The measurement of productive efficiency. Journal of the Royal Statistical Society 120:253-281.
    Fecher, F., D. K. Perelman, and P. Pestieau. 1993. Productive performance of the French insurance industry. The Journal of Productivity Analysis 4:77-93.
    Gardner, L. and M. Grace.1993. X-efficiency in the US life insurance industry. Journal of Banking and Financing 17:362-384.
    Grifell-Tatje, E, Lovell, C A K. 1996. Deregulation and productivity decline: The case of Spanish savings banks. European Economic Review 40:1281-1303.
    Grabowski, R., N. Rangan, and R. Rezvanian. 1994. The effect of deregulation on the efficiency of U.S banking firms. Journal of Economics and Business 46: 39-54.
    Lin, Liang-Feng. 2002. Deregulation and Efficiency in the Taiwan lfe isurance idustry. Ph. D. Dissertation, Temple University.
    Zaim and Osman. 1995. The effect of financial liberalization on the efficiency of Turkish commercial banks. Applied Financial Economics 5：257- 264.
    Description: 碩士
    國立政治大學
    會計研究所
    93353042
    93
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0093353042
    Data Type: thesis
    Appears in Collections:[Department of Accounting] Theses

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