| dc.contributor.advisor | 林良楓 | zh_TW |
| dc.contributor.author (作者) | 張宸睿 | zh_TW |
| dc.creator (作者) | 張宸睿 | zh_TW |
| dc.date (日期) | 2004 | en_US |
| dc.date.accessioned | 11-九月-2009 17:24:25 (UTC+8) | - |
| dc.date.available | 11-九月-2009 17:24:25 (UTC+8) | - |
| dc.date.issued (上傳時間) | 11-九月-2009 17:24:25 (UTC+8) | - |
| dc.identifier (其他 識別碼) | G0093353042 | en_US |
| dc.identifier.uri (URI) | https://nccur.lib.nccu.edu.tw/handle/140.119/30182 | - |
| dc.description (描述) | 碩士 | zh_TW |
| dc.description (描述) | 國立政治大學 | zh_TW |
| dc.description (描述) | 會計研究所 | zh_TW |
| dc.description (描述) | 93353042 | zh_TW |
| dc.description (描述) | 93 | zh_TW |
| dc.description.abstract (摘要) | 1980年代世界各國的金融保險業興起一股自由化的風潮，而我國也在1986 年給予美商保險公司國民待遇，1992開放國人設立保險公司，1994年開放所有外商保險公司來台設立分公司，自此申請設立保險公司完全自由化。 本研究採用資料包絡分析法計算效率值，並使用「大邊界」的觀念建構出單一效率邊界，探討我國產險公司在開放保險市場前後的效率變動情形。本研究的主要結果如下：1.根據單變量無母數統計分析，整體產險業與開放前本國舊產險公司，其純技術效率值在開放後均大於開放前且達到顯著水準；其規模效率值在開放後則小於開放前且達到顯著性，表示市場的開放對我國產險業確實有影響。2.新產險公司的整體技術效率值、純技術效率值與規模效率值均顯著高於舊產險公司，顯示這些新進入的外商產險公司其全球化的經驗較我國舊產險公司更成熟。3.在控制相關公司特性後，Tobit迴歸分析的結果發現，市場開放與產險業之經營效率呈現負向關係，顯示單純的市場開放並無法增加產險業者之經營效率。本研究結果說明在市場開放後，產險業者欲增加經營效率，必須在產品創新，通路流暢下功夫才能增加經營效率。 | zh_TW |
| dc.description.abstract (摘要) | Since 1980s, all over the world has been emerging a trend of deregulation and liberalization of financial insurance industry. At the same time, Taiwan also started to open the property-liability insurance market gradually. First, in 1986, Taiwan treated the US insurers as the local company; then, in 1992, opening the market for the new local insurers, and in 1994, Taiwan fully deregulated the property-liability insurance industry. This research applied Data Envelopment Analysis (DEA) to measure efficiency scores, and applied Grand Frontier to measure the trend of efficiency change before and after deregulation. The major findings of this research are as follows：(1) base on the univariate statistic analysis, the overall property-liability insurance industry and the incumbent insurers reveal a higher pure technology efficiency score in the post-deregulation than that of before-deregulation; however, the scale efficiency score was denoted the opposite situation in post and before deregulation ear, and both of the statistical results are significant. The findings support deregulation has some effect on the efficiency of property-liability insurance industry. (2) The new entries have a higher efficiency score in both overall technology efficiency and pure technology than the incumbents; the result implies that those foreign property-liability insurers with their global experience do perform better efficient management than those of local incumbents. (3) After controlling the characteristics of the insurers and some other variables, Tobit regression analysis illustrated a negative relationship between deregulation and efficiencies. The finding implies that deregulation itself won’t increase the efficiency of the industry. Therefore, the implication of this research suggests that the insurers should compete with others in product innovations and distribution facilitations in order to increase the efficiencies. | en_US |
| dc.description.tableofcontents | 目錄...................................................I 表目錄................................................II 圖目錄...............................................III 第一章 緒論............................................1 第一節 研究動機..........................................1 第二節 研究問題..........................................2 第三節 研究架構..........................................2 第二章 產物保險業簡介與文獻回顧...........................4 第一節 我國產物保險業簡介.................................4 第二節 保險業經營效率相關文獻..............................9 第三節 運用資絡包絡分析法探討經營效率之相關文獻.............14 第三章 研究方法.........................................18 第一節 研究假設.........................................18 第二節 樣本資料與資料來源................................19 第三節 研究方法.........................................20 第四節 變數衡量.........................................27 第四章 實證結果分析.....................................34 第一節 效率值之敘述性統計................................34 第二節 產險業於開放前後之效率分析與檢定....................36 第三節 舊產險公司於開放前後之效率分析與檢定................38 第四節 新舊產險公司於開放後之效率分析與檢定................40 第五節 Tobit 迴歸分析...................................43 第六節 敏感性分析.......................................50 第五章 結論與建議.......................................57 第一節 結論............................................57 第二節 研究建議與限制...................................58 參考文獻..............................................61 | zh_TW |
| dc.language.iso | en_US | - |
| dc.source.uri (資料來源) | http://thesis.lib.nccu.edu.tw/record/#G0093353042 | en_US |
| dc.subject (關鍵詞) | 產險業 | zh_TW |
| dc.subject (關鍵詞) | 經營效率 | zh_TW |
| dc.subject (關鍵詞) | 資料包絡分析法 | zh_TW |
| dc.subject (關鍵詞) | 市場開放 | zh_TW |
| dc.title (題名) | 開放保險市場對我國產險業經營效率之影響 | zh_TW |
| dc.type (資料類型) | thesis | en |
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