- 學位論文
國內壽險業競爭行為與獲利能力之研究
Competitive Behavior and Profitability of the Domestic life Insurance in Dustry
摘要
本文研究主要針對臺灣地區壽險業不同時期，國內保險業各階段的保險公司資料，將國內壽險公司，包含本土公司及外商公司進行統計分析，考慮公司過去發展歷程、產業結構、存在因素，探討在不同經濟環境下，衡量各階段中壽險公司的獨佔力，分析各壽險公司的市場行為，以及市場的獲利能力，經由最後實際評估階段，評估壽險各公司的競爭型態與廠商結構、行為，相對於獲利能力與廠商結構、行為之間的關係，並且以此為基礎，提出對壽險產業未來發展之有效改善或建議，期望達到瞭解臺灣壽險產業發展模式以及經營策略。 本研究方法使用理論與實務進行共同研究分析。針對壽險市場的產業結構分析，透過理論及文獻的方式進行整合，採用Panzar-Rosse檢定模型來實證該研究，應用財務收入與保費收入為因變數做複迴歸分析，用以檢定臺灣壽險公司競爭型態；應用資產報酬率及股東權益報酬率為因變數檢定長期是否均衡。 由研究實證結果得知，臺灣地區壽險業財務收入與保費收入偏高，資產規模也相當大，各家壽險公司財務收入與保費收入之平均數大致相同，以整個臺灣地區而言，大致為寡佔或獨佔市場，多數壽險公司處於長期均衡狀態。 本研究主要目的並非在於指出公司績效之好壞，而是希望能夠提供給監理單位以及各公司管理者更多的參考資訊。
並列摘要
This study focused on different periods of Taiwan Life Insurance Industry, insurance company information in various stages of the domestic insurance industry, the domestic life insurance companies, including local companies and foreign companies for statistical analysis, considering the company's past course of development, industrial structure, there are factors to explore indifferent economic environment, the exclusive power of the various stages of life insurance companies to measure and analyze the market behavior of the various life insurance companies, as well as the profitability of the market, through the final practical assessment stage, to assess the life insurance companies in competition type and vendor structure, behavior,relative to the relationship between profitability and vendor structure, behavior, and as a basis for proposed improvements or suggestions on the future development of the life insurance industry is expected to achieve to understand the patterns of development and business strategy of Taiwan's life insurance industry. In this study, the method uses the theory and practice to conduct joint research and analysis. The industrial structure analysis of the life insurance market, integration of theory and literature, using the Panzar-Rosse test model to the empirical study, the application of financial income and premium income of the dependent variable, multiple regression analysis to test the competition in the life insurance companies in Taiwan type; application return on assets and return on equity rate variables test whether long-term equilibrium. The empirical results show that, in Taiwan the high financial income and premium income of life insurance, asset size is quite large, roughly the same average number of each life insurance company's financial income and premium income, the whole Taiwan area, roughly oligopoly or monopoly market, the majority of life insurance companies in the long-term equilibrium. The purpose of this study is not so much that the company's performance good or bad, but want to be able to provide supervision units, as well as company managers more reference information.