台灣地區產險公司傷害保險經營效率之研究-以DEA法評估

A Study on Operating Efficiency of the Personal Accident Insurance of Non-Life Insurance Companies in Taiwan-Measured by DEA Approach

張瑋麟(Wei-Lin,Chang)

指導教授 ： 高棟梁

淡江大學/商管學院/保險學系保險經營碩士班/碩士(2018年)

https://doi.org/10.6846/TKU.2018.00042

摘要

自民國86年5月政府開放產險業得經主管機關核准以附加方式經營傷害保險，並自90年7月准許產險業得報經主管機關核准經營傷害保險，至此產險業競相投入傷害保險的經營。近二十年來，產險業的傷害保險業務不斷持續大幅成長，擴大了產險市場的規模。本研究即以資料包絡分析法(DEA)探討國內14家產險業傷害保險2014年至2017年的經營效率，研究結果發現規模越大的公司經營效率越佳，具有外商背景的公司亦相對越好。本研究並以tobit迴歸方式探討傷害保險經營效率的影響因素，研究結果發現公司規模及專業人員對傷害險經營效率有顯著正向影響，而人身傷害保險之賠款率及其他傷害保險之賠款率對傷害保險經營效率有負向顯著影響；而傷害保險之業務占比、公司市占率及傷害保險商品報送次數，則影響不顯著。

關鍵字

產險公司 ； 傷害保險 ； 資料包絡分析法 ； 經營績效

並列摘要

In May, 2017, the non-life insurance industry was approved by the competent authority to carry out the business of personal accident insurance in an additional coverage manner. Since July 1990, the non-life insurance industry was allowed to report to the competent authority for permission to operate the personal accident insurance directly. In the past two decades, the personal accident insurance business in the non-life insurance industry has continued to grow substantially, expanding the scale of the insurance market. This study uses data envelopment analysis (DEA) to explore the operating efficiency of personal accident insurance business of 14 domestic insurance companies from 2014 to 2017. The study find that the greater the scale of the company's operating efficiency is, the better the company with foreign business background is good. This study also discusses the influencing factors of personal accident insurance operating efficiency by “tobit” regression. The research results show that the company scale and professionals have a significantly positive influence on the operating efficiency of personal accident insurance, while the loss ratio of the personal accident insurance and the loss ratio of other accident insurance have a significanly negative influence on the operating efficiency. We also find that the proportion of personal accident insurance business, the company's market share, and the number of product submissions for personal accident insurance have no significant influence on the operating efficiency.

並列關鍵字

Property and Casualty Company ； Accident insurance Business Ratio ； DEA( Data Envelopment Analysis Method) ； Property and Casualty Company, Business Performance

參考文獻

參考文獻

一、中文

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2. 吳柏樹（2003），台灣地區產物保險業經營效率之研究，元智大學會計學系研究所碩士論文。

3. 紀琬琪(2003)，台灣地區產險公司再保險經營績效之研究，淡江大學保險經營研究所碩士論文。