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題名 Diversification Versus Strategic Focus: Evidence from Insurance Intermediaries in Taiwan
作者 Peng, Jin Lung;Chen, Lih Ru;Wang, Jennifer L.;Tzeng, Larry Y.
彭金隆;曾郁仁
貢獻者 風管系
關鍵詞 data envelopment analysis ; efficiency ; insurance intermediaries ; product diversification
日期 2017-07
上傳時間 25-七月-2017 15:47:57 (UTC+8)
摘要 Using a unique data-set, we examined how different business strategies used by insurance intermediaries in Taiwan affect their efficiency and productivity. Previous work in this area has focused on the efficiency and productivity of insurance companies using different distribution channels or selling different product lines. Our primary emphasis was on the efficiency and productivity of insurance intermediaries. We found that diversified insurance intermediaries achieve more efficiency gains in cost-efficiency and revenue efficiency than focused insurance intermediaries do. The cost-efficiency benefits of diversified intermediaries are due to technical efficiency. Our regression analysis further indicates that insurance intermediaries’ efficiency benefits are associated with their size, insurer partners, financial leverage, net income, product mix and market share. Overall, our results indicate that there are cost and revenue economies of scope in the insurance intermediary industry.
關聯 The Geneva Papers on Risk and Insurance - Issues and Practice, Volume 42, Issue 3, pp 530–555
資料類型 article
DOI http://dx.doi.org/10.1057/s41288-017-0045-4
dc.contributor 風管系
dc.creator (作者) Peng, Jin Lung;Chen, Lih Ru;Wang, Jennifer L.;Tzeng, Larry Y.en-US
dc.creator (作者) 彭金隆;曾郁仁zh-tw
dc.date (日期) 2017-07
dc.date.accessioned 25-七月-2017 15:47:57 (UTC+8)-
dc.date.available 25-七月-2017 15:47:57 (UTC+8)-
dc.date.issued (上傳時間) 25-七月-2017 15:47:57 (UTC+8)-
dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/111402-
dc.description.abstract (摘要) Using a unique data-set, we examined how different business strategies used by insurance intermediaries in Taiwan affect their efficiency and productivity. Previous work in this area has focused on the efficiency and productivity of insurance companies using different distribution channels or selling different product lines. Our primary emphasis was on the efficiency and productivity of insurance intermediaries. We found that diversified insurance intermediaries achieve more efficiency gains in cost-efficiency and revenue efficiency than focused insurance intermediaries do. The cost-efficiency benefits of diversified intermediaries are due to technical efficiency. Our regression analysis further indicates that insurance intermediaries’ efficiency benefits are associated with their size, insurer partners, financial leverage, net income, product mix and market share. Overall, our results indicate that there are cost and revenue economies of scope in the insurance intermediary industry.
dc.format.extent 209 bytes-
dc.format.mimetype text/html-
dc.relation (關聯) The Geneva Papers on Risk and Insurance - Issues and Practice, Volume 42, Issue 3, pp 530–555
dc.subject (關鍵詞) data envelopment analysis ; efficiency ; insurance intermediaries ; product diversification
dc.title (題名) Diversification Versus Strategic Focus: Evidence from Insurance Intermediaries in Taiwanen-US
dc.type (資料類型) article
dc.identifier.doi (DOI) 10.1057/s41288-017-0045-4
dc.doi.uri (DOI) http://dx.doi.org/10.1057/s41288-017-0045-4