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題名：我國壽險業銀行保險業務參與度與經營效率分析
書刊名：臺大管理論叢
作者：王儷玲 引用關係／彭金隆 引用關係／張義宏
作者(外文)：Wang, Jennifer L.／Peng, Jin-lung／Chang, Yi-huang
出版日期：2006
卷期：17:1
頁次：頁59-90
主題關鍵詞：銀行保險；資料包絡分析法；經營效率；Bancassurance；Data envelopment analysis；Efficiency
原始連結：連回原系統網址new window
相關次數：
  • 被引用次數被引用次數:期刊(23) 博士論文(0) 專書(1) 專書論文(0)
  • 排除自我引用排除自我引用:23
  • 共同引用共同引用:46
  • 點閱點閱:50
近年來銀行保險( Bancassurance)業務對我國壽險公司之經營日益重要，已成為國內僅次於業務員之第二大行銷通路。為了探討銀行保險通路是否真能提升壽險公司的經營效率，本研究以我國壽險公司1998年至2002年的資料，採用資料包絡分析法(Data Envelopment Analysis)分析壽險公司之經營效率，並進一步利用Tobit迴歸方法檢視壽險公司參與銀行保險業務程度對其經營效率之影響。結果發現，壽險公司參與銀行保險業務確實能夠提升公司之經營效率，壽險公司涉入銀行保險業務程度越高，對其規模效率、技衛效率以及總生產效率都有顯著的正面提升效果，但壽險公司加入金控公司與否則對經營效率沒有顯著影響。
The recent development of Bancassurance activities in Taiwan help to generate significant amount of new insurance premiums for insurance companies. Especially, the cross-selling of insurance products through banks has become the second largest marketing channel for life insurers. Using a unique panel data set, this paper investigates whether the life insurers who involved in Bancassurance activities really increased their efficiency. We utilize the Data Envelopment Analysis (DEA) method to evaluate the efficiency changes during the sample period and further employ a Tobit regression to analyze the influence of Bancassurance on life insurers' efficiency performance. Our evidence confirms that Bancassurance plays an important role in influencing efficiency performance for life insurance companies. Specifically, Bancassurance has positive impacts on the technical efficiency, scale efficiency and overall efficiency. However, the fact that an insurer belongs to a Financial Holding Company has on significant impact on life insurers' efficiency performance.
期刊論文
1.Gardner. L.、Grace, M.(1993)。X-efficiency in the U.S. Life Insurance Industry。Journal of Banking and Financing，17(2/3)，497-510。  new window
2.Cummins, J. David、Weiss, Mary A.、Zi, Hongmin(1990)。Organizational Form and Efficiency: The Coexistence of Stock and Mutual Property-liability Insurers。Management Science，45(9)，1254-1269。  new window
3.Cummins, J. D.、Tennyson, S.、Weiss, M. A.(1999)。Consolidation and Efficiency in the U.S. Life Insurance Industry。Journal of Banking and Finance，23，325-357。  new window
4.蔡政憲、王為倩(20010500)。銀行跨業兼營保險之模擬分析。風險管理學報，3(1)，71-97。new window  延伸查詢new window
5.Leale-Green, H.、Bloomfield, J.(1994)。Bancassurance: The Shape of Things to Come。Post Magazine，23，16-19。  new window
6.Yuengert, A. M.(1993)。The Measurement of Efficiency in Life Insurance: Estimates of a Mixed Normal-Gamma Error Model。Journal of Banking and Finance，17(2/3)，483-496。  new window
7.Sherman, H. David、Gold, Franklin(1985)。Bank Branch Operating Efficiency: Evaluation with Data Envelopment Analysis。Journal of Banking and Finance，9(2)，297-315。  new window
8.劉純之(19940900)。壽險公司經營效率評估--本國與外商公司的比較分析。保險專刊，37，114-126。new window  延伸查詢new window
9.Berger, A. N.、Cummins, J. D.、Weiss, M. A.(1997)。The Coexistence of Multiple Distribution Systems for Financial Services: The Case of Property-Liability Insurance。Journal of Business，70(4)，515-546。  new window
10.Banker, Rajiv D.、Charnes, Abraham、Cooper, William Wager(1984)。Some Models for Estimating Technical and Scale Inefficiencies in Data Envelopment Analysis。Management Science，30(9)，1078-1092。  new window
11.黃旭男、吳國華(20011000)。臺灣地區壽險業經營績效之衡量。管理與系統，8(4１，401-419。new window  延伸查詢new window
12.Farrell, Michael James(1957)。The Measurement of Productive Efficiency。Journal of the Royal Statistical Society: Series A (General)，120(3)，253-290。  new window
13.Charnes, Abraham、Cooper, William W.、Rhodes, Edwardo(1978)。Measuring the efficiency of decision making units。European Journal of Operational Research，2(6)，429-444。  new window
14.Clarence, W,、Lilian, C.(2002)。Bancassurance Development in Asia - Shifting into Higher Gear。Sigma，7。  new window
15.Cummins, J. D.、Zi, H.(1998)。Measuring Economic Efficiency of the US Life Insurance Industry: Economic and Mathematical Programming Techniques。Journal of Productivity Analysis，10(2)，131-152。  new window
16.Jeng, V.、Lai, G. C.、Mcnamara, M. J.(2005)。Ownership Structure, Agency Costs, Specialization and Efficiency: Analysis of Keiretsu and Independent Insurers in Japan Nonlife Insurance Industry。The Journal of Risk and Insurance，72(1)，105-158。  new window
會議論文
1.郝充仁、周林毅(2002)。臺灣地區人壽保險業經營效率分析。0。122-156。  延伸查詢new window
2.郝充仁、周林毅(2003)。臺灣壽險業經營效率與規模經濟之研究。0。204-227。  延伸查詢new window
研究報告
1.Cummins, J David、Turchetti, Giuseppe、Weiss, Mary A.(1997)。Productivity and Technical Efficiency in the Italian Insurance Industry。Philadelphia, PA。  new window
2.Meador, J. W.、Ryan, H. E.、Schellhorn, C. D.(1997)。Product Focus versus Diversifacations: Estimates of X-efficiency for the U.S. Life Insurance Industry。Boston, MA。  new window
學位論文
1.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(碩士論文)。逢甲大學。  延伸查詢new window
2.張文武(1999)。保險業效率、承保週期及損失率之實證研究(博士論文)。國立中央大學。new window  延伸查詢new window
圖書
1.Berger, A. N.、Humphrey, D. B.(1992)。Measurement and Efficiency Issues in Commercial Banking: Output Measurement in the Service Sectors。Chicago, IL：University of Chicago Press。  new window
2.王維元、鄭鎮梁、范姜胘、張邦茹(2003)。我國產險行銷通路未來發展趨勢。我國產險行銷通路未來發展趨勢。臺北。  延伸查詢new window
3.Cummins, J. D.、Weiss, M. A.(2000)。Analyzing Firm Performance in the Insurance Industry Using Frontier Efficiency and Productivity Approachs。Handbook of Insurance。Boston, MA。  new window
4.Genetay, N.、Molyneux, P.(1998)。Bancassurance。Bancassurance。London, UK。  new window
5.Gora, J. C.、LOMA(1997)。Bancassurance: Positioning for Affiliations。Atlanta, GA：Life Office Management Association, Inc.。  new window
 
 
 
 
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