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標題: | 台灣壽險業經營效率與銀行保險業務間關係 The relationship between the efficiency performance of life insurance companies and bancassurance channels in Taiwan |
作者: | Chih-Yuan Shih 施至遠 |
指導教授: | 王儷玲 |
共同指導教授: | 曾郁仁 |
關鍵字: | 經營效率,銀行保險,資料包絡分析法,Tobit迴歸, efficiency,bancassurance,DEA,Tobit regression, |
出版年 : | 2011 |
學位: | 碩士 |
摘要: | 壽險業一直以來都扮演著提供人身安全的保障,也是金融市場裡長期資金供應者的重要角色。壽險業的經營日趨蓬勃,但其是否能有效率的經營,則為各界所關切。本研究使用資料包絡分析法,針對西元2000年到2009年台灣地區壽險業經營績效進行實證分析,回顧我國壽險業十年間,歷經金融整併以及金融風暴的種種變動下,壽險業經營績效的變化。
此外,銀行保險近年來在台灣的成長趨勢,顯示出銀行保險通路對於整體壽險業的業務貢獻度佔有一席重要的地位。西元2009年,銀行保險通路正式超越傳統業務員通路,成為保險公司首要通路來源。因此本研究將使用Tobit迴歸分析,針對西元2006年到2009年銀行保險相關資料,進一步探討壽險公司在此期間參與銀行保險業務程度對其經營效率的影響。 研究結果發現,台灣地區壽險公司十年間總平均生產效率尚有改進空間,而推估其造成台灣地區壽險公司十年間經營無效率的因素應該是來自於配置效率。最後,透過根據Tobit迴歸實證結果指出,涉入銀行保險業務程度越高,像是與銀行保經代合作家數越多、銀保保費所佔比率越高,對於台灣地區壽險公司經營績效呈現顯著正相關之影響,不論在總生產效率、技術效率、純粹技術效率、規模效率以及配置效率,皆有正面提升的效果。 Life insurance industry not only plays a dominant role of providing the safeguard of life but also supplies long-term funds in financial market. When Life insurance industry gets more prosperous, others pay close attention to whether it can be efficiently managed or not. The study uses Data Envelopment Approach giving an empirical analysis of the corporate performance of life insurance industry in Taiwan from 2000 to 2009. During the decade, financial market in Taiwan had suffered financial crisis and mergers, the study looked back on the variation of life insurance industry’s corporate performance. The growth of bancassurance in Taiwan shows that bancassurance channels have earned a place in life insurance industry. In 2009, bancassurance channels surpassed the traditional channel of salesmen and became the first of insurance companies. Therefore, based on the data of bancassurance from 2006 to 2009, this research uses Tobit regression analysis to further explore that how bancassurance affects life insurance companies’ operating efficiency during this period. Our empirical results show that life insurance industry still has the room to improve their operating efficiency due to allocation failure. At last, according to Tobit regression analysis, our evidence confirms that the more life insurance industry stepping into bancassurance, the more operating efficiency benefiting from it. |
URI: | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/23801 |
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顯示於系所單位: | 財務金融學系 |
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