本國與外商產險經營效率的比較－多變量統計、灰關聯分析與資料包絡分析應用

Comparison on Efficiency of Domestic and Foreign Insurers-Application of Multivariate Statistical Analysis、Grey Relation Analysis and Data Envelopment Analysis

廖振盛(Chang-Sheng Liao)

《經營管理論叢》 5卷2期 (2009/12) Pp. 39-55

https://doi.org/10.6872/OMR.200912_5(2).0017

摘要

本文利用多變量統計分析、灰關聯分析與資料包絡分析法，評估台灣地區產險業之經營狀況。實證結果顯示，在因素分析與灰關聯分析部份，雖然外商產險公司績效並沒有優於本國產險公司，但少數的外商產險確實有較優異的經營績效；在資料包絡析法部分，則顯示在不包括外資入主本國產險的樣本中，純粹的外商產險公司整體技術技率優於本國產險。整體而言，外商產險沒有顯著地優於本國產險，而外資入主本國產險，並沒有顯著地改善本國產險的經營績效與效率。

關鍵字

因素分析 ； 灰關聯分析 ； 資料包絡分析

並列摘要

This study uses the multivariate statistical analysis, grey relation analysis and data envelopment analysis to estimate non-life insurance firms in Taiwan. The results show that foreign insurers' performance not significant higher than domestic insurers by factor analysis and grey relation analysis, but a few foreign insurer have a higher profit than domestic insurers. On the contrary, the foreign insurers efficiency have a higher than domestic insurers. In sum, the results cannot provide a confirm answer to show foreign insurers often are a winner. This finding that foreign insurers merge domestic insurers and merge strategy not significantly increases insurers' performance and efficiency.

並列關鍵字

Multivariate Statistical Analysis ； Grey Relation Analysis ； Data Envelopment Analysis