本研究利用2011 − 2020 年的樣本資料檢視臺灣壽險產業的競爭程度,以應用CRn 、HHI 集中度指標逐一檢視,並與非結構法Panzer − Rosse 模型相互驗證。 應用結構變化檢定及不平衡追蹤資料廻歸分析,實證研究結果可得知臺灣壽險產業於2011 − 2012 年是獨占性競爭型態,並於2013 − 2014 年演變成獨占,最後2015 − 2020 年再轉向獨占性競爭型態。此實證結果與CRn 指標、HHI 指數的結果相近,顯示近10 年臺灣壽險產業的市場競爭不利於市占率較小的公司,因此整體壽險市場有可能產生卡特爾的現象。
This study uses unbalanced data from 2011 to 2020 to examine the degree of competition in Taiwan’s life insurance industry,and uses CRn and HHI concentration indicators to examine one by one, and mutually verify the nonstructural PanzerRosse model. Applying structural change test and unbalanced data analysis,the empirical research results show that Taiwan’s life insurance industry was monopolistic competition from 2011 to 2012, and it evolved into a monopoly from 2013 to 2014, and finally monopolistic competition in 2015 to 2020. This empirical result is similar to the CRn index and HHI index. It shows that the market competition in Taiwan’s life insurance industry in the past 10 years is not conducive to companies with a small market share, Therefore, the overall life insurance market may have a cartel phenomenon.