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題名：台灣地區產險業經營效率之衡量：二階段資料包絡分析法之運用
作者：高棟梁
作者(外文)：Tong-Liang Kao
校院名稱：銘傳大學
系所名稱：管理科學研究所博士班
指導教授：黃旭男
學位類別：博士
出版日期：2005
主題關鍵詞：產險公司；二階段資料包絡分析法；Tobit及OLS迴歸模型；經營效率；Managerial Efficiency；Two-Stage DEA；Tobit and OLS Regression model；Non-life Insurance Company
原始連結：連回原系統網址new window
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自民國83年全面開放保險市場以來，已使得產險市場的競爭更形激烈。產險公司須先瞭解其在產險業中之相對效率為何，進而才能評估自己之優勢及劣勢，以形成其競爭策略。本研究使用Seiford & Zhu(1999)二階段資料包絡分析法及Färe等(1992)之Malmquist生產力指數來衡量台灣地區產險公司之經營效率及效率變動情形。第一階段為行銷能力之評估，第二階段則是獲利能力之評估。評估結果發現，台灣地區各產險公司在行銷效率方面，大致上差異不大，但在獲利效率方面，則差異甚大。而全體產險業行銷效率之變動呈現些微下降之趨勢，而獲利效率之變動，則呈現微幅上升之趨勢。此外，本研究並進一步使用Tobit迴歸模式及OLS迴歸，探討影響產險公司經營效率差異及效率變動之因素。結果發現行銷效率受到銀行存款比率及投資比率之顯著影響，獲利效率則受到大專人員比率、公司規模及自留保費比率之顯著影響；行銷效率變動受到大專人員比率、專業人員比率、自留保費比率及投資變動率之顯著影響，而獲利效率變動則受到自留保費比率、銀行存款比率、投資比率及銀行存款變動率之顯著影響。產險公司可以依據其本身在同業中之相對效率位置，擬定有效競爭策略，以提升其競爭能力。
Facing a highly competitive environment after the full deregulation of insurance policy in 1994, a non-life insurance company must measure the comparative performance of the entire insurance industry to understand its own strengths and weaknesses for formulating a competition strategy. This study adopted the two-stage data envelopment analysis (DEA), which was firstly used by Seiford and Zhu (1999), and the Malmquist productivity index expressed by Färe et al. (1992), to measure the managerial efficiency and efficiency change of non-life insurance companies in Taiwan. Marketability was measured in the first stage while profitability was measured in the second stage. Findings of this study showed that the dispersion in marketability was small, but the dispersion in profitability was quite large. Also, the marketability change was slightly decreasing, and the profitability change was increasing a little. This study further used Tobit and OLS regression model to examine the factors that significantly influence the managerial efficiency and efficiency change of non-life insurance industry. Ten variables were employed to examine the model. The results revealed that marketability was significantly influenced by bank deposit ratio and investment ratio, while profitability was significantly influenced by the ratio of college-educated employees, company size and retained premium ratio. In addition, marketability change can be explained by the ratio of college-educated employees, the ratio of professional employees, retained premium ratio, and change of investment ratio, while profitability change can be explained by retained premium ratio, bank deposit ratio, investment ratio and change of bank deposit ratio. This study concluded that a non-life insurance company can develop its managerial strategies to promote competitive ability based on its relative position in marketability, profitability, marketability change and profitability change in the industry.
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二、中文部分
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10.黃旭男，「資料包絡分析法使用程序之研究及其在非利組織效率評估上之應用」，交通大學管理科學研究所博士論文，民國82年。
11.黃旭男、林進財、管傑鵬，「台灣地區IC產業研究發展效率之評估」，科技管理學刊，第2卷第2期，民國86年，頁59- 86。
12.黃旭男、吳國華，「台灣地區壽險業經營績效之衡量」，管理與系統，第8卷第4期，民國90年，頁401- 420。new window
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14.蔡蕙鈺，「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碩士論文，民國91年。
15.葉彩蓮、陳澤義，「壽險業資源使用效率之衡量」，臺灣銀行季刊，第51卷第1期，民國89年，頁322-341。new window
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18.鄭秀娟，「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碩士論文，民國85年。
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21.財團法人保險事業發展中心，「產物保險統計要覽」，民國81年至民國92年。
 
 
 
 
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