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題名 銀行保險對我國人保險公司經營效率之影響分析
作者 張義宏
貢獻者 王儷玲<br>王文英
<br>
張義宏
關鍵詞 銀行保險
資料包絡分析法
效率
bancasurrance
data envelopment analysis
efficiency
日期 2004
上傳時間 11-九月-2009 17:36:14 (UTC+8)
摘要 銀行保險對我國壽險公司日益重要，在2003年時新契約保費收入高達25％都是由其所貢獻。但造成銀行保險對我國壽險公司日益重要的因素，究竟是因其對我國壽險公司經營效率產生正面之影響，抑或大家只是一窩蜂地搶進？因此，本研究將透過實證分析，探討銀行保險對我國壽險公司經營績效之影響。
      本研究首先採用資料包絡分析法進行效率分析。之後，再以Tobit迴歸分析影響人壽險公司之經營效率因素為何。
      經營效率上，我國整體壽險公司之總生產效率沒有達到該有的一半。進一步分析總生產效率，發現配置效率比技術效率來的無效率。技術效率則呈現上升的趨勢。如進一步分析其上升之因素，發現是純技術效率與規模效率上升所造成。
      在Tobit迴歸分析指出銀行保險確實對壽險公司之經營效率有所助益。產品集中程度與經營效率無顯著關係。市佔率與總生產效率、技術效率以及規模效率呈現負相關，可見我國壽險公司會因其市佔率高而導致其提升經營效率之誘因下降。外商公司在規模效率與配置效率低於本國公司，原因在於對我國市場之不熟悉。是否為金控公司子公司，因限於時間因素，對我國壽險公司之經營效率影響尚不明顯。最後，東南亞金融風暴、地雷股事件等造成市場利率走低，故投資資產比率與技術效率呈負向關係。另外，總資產規模與各項效率呈現顯著正相關，代表規模愈大的公司愈能有效率地經營。
Bancassurance, which caused new policy’s premium to reach to 25% in 2003, has become more and more important to the life insurance industry in Taiwan. But what made it so significant, its positive effect upon increasing the operating efficiency of the life insurance industry in Taiwan, or the irrational people who just swarming into it? Thus, this research tests how bancassurance influence the life insurance industry in Taiwan.
      This study uses Data Envelopment Analysis to measure the operating efficiency, and Tobit regression to test what were the facts that influenced operating efficiency of life insurance industry.
      As for the life insurance industry in Taiwan, not even half of the overall efficiency was reached to what it should be. To analyze further to overall efficiency would come out the conclusion that allocative efficiency was less efficient than technical efficiency while technical efficiency was trending up. The rising of pure technical efficiency and scale efficiency was found out to be the reason of ascension after profoundly analysis.
      Tobit regression supports that bancassurance is positive related to operating efficiency of life insurance industry. The product fucus or diversification is not related to operating efficiency. Market share has negative relationship with overall efficiency, technical efficiency and scale efficiency, which indicate that the inducement of increasing operating efficiency of the life insurance industry could be lowered due to their high market share. Scale efficiency and allocative efficiency is lower in foreign companies than in domestic companies for that foreign companies are unfamiliar with the market of Taiwan. There is no relationship between subsidiaries of holding company with operating efficiency yet because of the time-limited. At last, due to the financial storm in South-east Asia, the event of accounting fraud and etc, the market interest rate was trending low, and then made the ratio of investment assets to the total assets to be negative related to technical efficiency. Furthermore, the positive relationship between scale and efficiency represents that the larger the scale of a company is, the more efficient it can be in running business.
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王寸久，2003，人壽保險業經營銀行保險之研究，政治大學經營管理碩士
學程未出版碩士論文。
王維元、鄭鎮梁、范姜胘、張邦茹，2003，我國產險行銷通路未來發展趨
勢，台北：財團法人保險事業發展中心。
王儷玲，2004，退休金之上課稿。
令狐沖，2004，二００四年銀行保險全預測，Advisers財務顧問，第179
期，68-71。
李幼蓮，1996，我國銀行業兼營保險未來趨勢之研究，政治大學保險研究
所未出版論文。
李君屏，1994，壽險公司經營效率之衡量—資料包絡分析法之應用，逢甲
Joskow, P. L. 1973. Cartels, competition, and regulation in the
property-liability insurance industry. Bell Journal of
Economics and Management Science 4: 375-427.
Leale-Green, H. ,and J. Bloomfield. 1994. Bancassurance: The
shape of things to come. Post Magazine 23 (June): 16-19.
Malmquist, S. 1953. Index numbers and indifference surfaces.
Trabajos de Estadistica 4: 209-224.
Meador, J. W., H. E. Ryan ,and C. D. Schellhorn. 1997. Product
focus versus diversifacations: Estimates of X-efficiency
for the U.S. life insurance industry. Working paper,
大學保險學研究所未出版碩士論文。
Northeastern University , Boston, MA.
Nadege, G. ,and M. Philip. 1998. Bancassurance. MacMillan Press
LTD.
Shephard, R. W. 1970. The theory of cost and production
functions. Princeton, N.J.: Princeton University Press.
Sherman,H.D.and F.Gold.1985. Bank branch operating efficiency:
Evaluation with data envelopment analysis.Journal of
Banking and Finance 9 :297-315.
Swiss Re. 1992. Bancassurance. No.2, Sigma.
Swiss Re. 2002. Bancassurance developments in Asia – shifting into higher gear. No.7, Sigma.
凌氤寶，1999，保險業跨業經營之研究，台北：財團法人保險事業發展中
Yuengert, A. M. 1993. The measurement of efficiency in life
insurance: Estimation of a mixed normal-gamma error
model. Journal of Banking and Finance 17 (April): 483-496.
心。
孫遜，2004，資料包絡分析法—理論與應用，揚智文化事業股份有限公
司。
郝充仁、周林毅，2002，台灣地區人壽保險業經營效率分析，第三屆全國
實證經濟學研討會論文集，行政院國家科學委員會社會科學研究中
心，暨南大學。
郝充仁、周林毅，2003，台灣壽險業經營效率與規模經濟之研究，第三屆
全國實證經濟學研討會論文集，行政院國家科學委員會社會科學研究
中心，東華大學。
張文武，1998，保險業效率、承保週期與損失率之實證研究，中央大學財
務管理研究所未出版博士論文。
梁夏怡，2004，成長是必然的趨勢—銀行保險商品與銷售等量齊觀，
Advisers財務顧問，第180期，24-28。
許碩芬、王俊豪，1998，金融業服務範圍自由化與保險業因應對策之探
討，保險專刊，第54輯，91-104。
陳禹廷，2003，我國產險業經營績效之研究 —資料包絡分析法之應用，
朝陽科技大學保險金融管理系未出版碩士論文。
黃旭男、吳國華，2001，台灣地區壽險業經營績效之衡量，管理與系統，
第八卷，第四期，401-420。
葉彩蓮、陳澤義，2000，壽險業資源使用效率之衡量，臺灣銀行季刊，第
五十一卷，第一期，322-341。
廖雅亭，2003，金融控股公司成立前後台灣金融業之效率分析，台北大學
經濟學系未出版碩士論文。
趙茂良，2004，財產保險業從事「銀行保險」業務作業平台設立之研究，
政治大學經營管理碩士學程未出版碩士論文。
劉純之，1994，壽險公司經營效率評估—本國與外商公司之比較分析，保
險專刊，第37輯，114-126。
劉純之、李君屏，1995，規模經濟與壽險公司經營效率—兼論資料包絡分
析法，壽險季刊，第95期，19-28。
蔡政憲、王為倩，2001，銀行跨業兼營保險之模擬分析，風險管理學報，
第三卷第一期，71-97。
賴蕙瑛，2001，論我國銀行經營保險業務之策略分析—以金融控股公司之
經營模式為例，淡江大學國際貿易學系未出版碩士論文。
謝坤民，1999，銀行業兼營保險業務之探討，保險資訊，第161期，18-
24。
二、英文部分
Banker, R. D., A. Charnes, and W. W. Cooper. 1984. Some models
for estimating technical and scale inefficiencies in Data
Envelopment Analysis. Management Science 30: 1078-1092.
Barrese, J., and J. M. Nelson. 1992. Independent and exclusive
agency insurers: A reexamination of the cost differential.
Journal of Risk and Insurance 59(September): 375-397.
Berger, A. N., and D. B. Humphrey.1992. Measurement and
efficiency issues in commercial banking. Output Measurement
in the Service Sectors. Chicago: University of Chicago
Press.
Berger, A. N., J. D. Cummins, and M. A. Weiss. 1997. The
coexistence of multiple distribution systems for financial
services: The case of property-liability insurance. Journal
of Business 70 (December)：515-546.
Boussofiane, A., R. G. Dyson , and E. Thanassoulis. 1991.
Apploed data envelopment analysis. European Journal of
Operational Research 52: 1-15.
Charnes, A., W. W. Cooper, and E. Rhodes. 1978. Measuring the
efficiency of decision making units. European Journal of
Operational Research 6(November): 429-444.
Cummins, J. D., G. Turchetti ,and M. A. Weiss. 1997.
Productivity and technical efficiency in the Italian
insurance industry. Working paper, Wharton Financial
Institutions Center, University of Pennsylvania,
Philadelphia.
Cummins, J. D., M. A. Weiss, and H. Zi. 1999. Organizational
form and efficiency: The coexistence of stock and mutual
property-liability insurers. Management Science 45
(September): 1254-1269.
Cummins, J. D., S. Tennyson, and M. A. Weiss. 1999.
Consolidation and efficiency in the US life insurance
industry. Journal of Banking and Finance 23(February): 325-
357.
Cummins, J. D., and H. Zi. 1998. Measuring economic efficiency
of the US life insurance industry: Economic and
mathematical programming techniques. Journal of
Productivity Analysis 10: 131-150.
Farrell, M. J. 1957. The measurement of productivity
efficiency. Journal of the Royal Statistical Society 120:
253-281.
Gardner, L. ,and M. Grace. 1993. X-efficiency in the U.S. life
insurance industry. Journal of Banking and Financing 17,
497-510.
Gora, J. C. 1997. Bancassurance: Positioning for affiliations,
USA, Life Office Management Association (LOMA).
Huizinga, H. 1993. The insurance perspective, The Hampden
Lectures 1992, Banking and insurance: An ideal
combunation?, 18(June), London.
Jeng, V., G. C. Lai, and M. J. Mcnamara. 2004. Efficiency and
demutulization: Evidence from U.S. life insurance industry
in the 1980s and 1990s. Working paper.
描述 碩士
國立政治大學
會計研究所
92353007
93
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0923530071
資料類型 thesis
dc.contributor.advisor 王儷玲<br>王文英zh_TW
dc.contributor.advisor <br>en_US
dc.contributor.author (作者) 張義宏zh_TW
dc.creator (作者) 張義宏zh_TW
dc.date (日期) 2004en_US
dc.date.accessioned 11-九月-2009 17:36:14 (UTC+8)-
dc.date.available 11-九月-2009 17:36:14 (UTC+8)-
dc.date.issued (上傳時間) 11-九月-2009 17:36:14 (UTC+8)-
dc.identifier (其他 識別碼) G0923530071en_US
dc.identifier.uri (URI) https://nccur.lib.nccu.edu.tw/handle/140.119/30288-
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) 92353007zh_TW
dc.description (描述) 93zh_TW
dc.description.abstract (摘要) 銀行保險對我國壽險公司日益重要，在2003年時新契約保費收入高達25％都是由其所貢獻。但造成銀行保險對我國壽險公司日益重要的因素，究竟是因其對我國壽險公司經營效率產生正面之影響，抑或大家只是一窩蜂地搶進？因此，本研究將透過實證分析，探討銀行保險對我國壽險公司經營績效之影響。
      本研究首先採用資料包絡分析法進行效率分析。之後，再以Tobit迴歸分析影響人壽險公司之經營效率因素為何。
      經營效率上，我國整體壽險公司之總生產效率沒有達到該有的一半。進一步分析總生產效率，發現配置效率比技術效率來的無效率。技術效率則呈現上升的趨勢。如進一步分析其上升之因素，發現是純技術效率與規模效率上升所造成。
      在Tobit迴歸分析指出銀行保險確實對壽險公司之經營效率有所助益。產品集中程度與經營效率無顯著關係。市佔率與總生產效率、技術效率以及規模效率呈現負相關，可見我國壽險公司會因其市佔率高而導致其提升經營效率之誘因下降。外商公司在規模效率與配置效率低於本國公司，原因在於對我國市場之不熟悉。是否為金控公司子公司，因限於時間因素，對我國壽險公司之經營效率影響尚不明顯。最後，東南亞金融風暴、地雷股事件等造成市場利率走低，故投資資產比率與技術效率呈負向關係。另外，總資產規模與各項效率呈現顯著正相關，代表規模愈大的公司愈能有效率地經營。		zh_TW
dc.description.abstract (摘要) Bancassurance, which caused new policy’s premium to reach to 25% in 2003, has become more and more important to the life insurance industry in Taiwan. But what made it so significant, its positive effect upon increasing the operating efficiency of the life insurance industry in Taiwan, or the irrational people who just swarming into it? Thus, this research tests how bancassurance influence the life insurance industry in Taiwan.
      This study uses Data Envelopment Analysis to measure the operating efficiency, and Tobit regression to test what were the facts that influenced operating efficiency of life insurance industry.
      As for the life insurance industry in Taiwan, not even half of the overall efficiency was reached to what it should be. To analyze further to overall efficiency would come out the conclusion that allocative efficiency was less efficient than technical efficiency while technical efficiency was trending up. The rising of pure technical efficiency and scale efficiency was found out to be the reason of ascension after profoundly analysis.
      Tobit regression supports that bancassurance is positive related to operating efficiency of life insurance industry. The product fucus or diversification is not related to operating efficiency. Market share has negative relationship with overall efficiency, technical efficiency and scale efficiency, which indicate that the inducement of increasing operating efficiency of the life insurance industry could be lowered due to their high market share. Scale efficiency and allocative efficiency is lower in foreign companies than in domestic companies for that foreign companies are unfamiliar with the market of Taiwan. There is no relationship between subsidiaries of holding company with operating efficiency yet because of the time-limited. At last, due to the financial storm in South-east Asia, the event of accounting fraud and etc, the market interest rate was trending low, and then made the ratio of investment assets to the total assets to be negative related to technical efficiency. Furthermore, the positive relationship between scale and efficiency represents that the larger the scale of a company is, the more efficient it can be in running business.		en_US
dc.description.tableofcontents 目錄
     謝辭 i
     摘要 ii
     目錄 iv
     圖目錄 v
     表目錄 vi
     附錄目錄 vii
     第一章 緒論 1
      第一節 研究背景與動機 1
      第二節 研究目的與問題 3
      第三節 研究架構與流程 4
     第二章 銀行保險與文獻回顧 6
      第一節 銀行保險 6
      第二節 文獻回顧 26
     第三章 研究設計 36
      第一節 資料來源與樣本資料 36
      第二節 實證假說 37
      第三節 研究方法 38
      第四節 研究變數選取 48
     第四章 實證結果分析 57
      第一節 效率值分析 57
      第二節 Tobit迴歸分析 83
     第五章 結論與建議 91
      第一節 研究結論 91
      第二節 研究建議 92
      第三節 研究限制 94
     參考文獻 95
     附 錄 99		zh_TW
dc.language.iso en_US-
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0923530071en_US
dc.subject (關鍵詞) 銀行保險zh_TW
dc.subject (關鍵詞) 資料包絡分析法zh_TW
dc.subject (關鍵詞) 效率zh_TW
dc.subject (關鍵詞) bancasurranceen_US
dc.subject (關鍵詞) data envelopment analysisen_US
dc.subject (關鍵詞) efficiencyen_US
dc.title (題名) 銀行保險對我國人保險公司經營效率之影響分析zh_TW
dc.type (資料類型) thesisen
dc.relation.reference (參考文獻) 一、中文部分zh_TW
dc.relation.reference (參考文獻) 王寸久，2003，人壽保險業經營銀行保險之研究，政治大學經營管理碩士zh_TW
dc.relation.reference (參考文獻) 學程未出版碩士論文。zh_TW
dc.relation.reference (參考文獻) 王維元、鄭鎮梁、范姜胘、張邦茹，2003，我國產險行銷通路未來發展趨zh_TW
dc.relation.reference (參考文獻) 勢，台北：財團法人保險事業發展中心。zh_TW
dc.relation.reference (參考文獻) 王儷玲，2004，退休金之上課稿。zh_TW
dc.relation.reference (參考文獻) 令狐沖，2004，二００四年銀行保險全預測，Advisers財務顧問，第179zh_TW
dc.relation.reference (參考文獻) 期，68-71。zh_TW
dc.relation.reference (參考文獻) 李幼蓮，1996，我國銀行業兼營保險未來趨勢之研究，政治大學保險研究zh_TW
dc.relation.reference (參考文獻) 所未出版論文。zh_TW
dc.relation.reference (參考文獻) 李君屏，1994，壽險公司經營效率之衡量—資料包絡分析法之應用，逢甲zh_TW
dc.relation.reference (參考文獻) Joskow, P. L. 1973. Cartels, competition, and regulation in thezh_TW
dc.relation.reference (參考文獻) property-liability insurance industry. Bell Journal ofzh_TW
dc.relation.reference (參考文獻) Economics and Management Science 4: 375-427.zh_TW
dc.relation.reference (參考文獻) Leale-Green, H. ,and J. Bloomfield. 1994. Bancassurance: Thezh_TW
dc.relation.reference (參考文獻) shape of things to come. Post Magazine 23 (June): 16-19.zh_TW
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dc.relation.reference (參考文獻) Trabajos de Estadistica 4: 209-224.zh_TW
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dc.relation.reference (參考文獻) focus versus diversifacations: Estimates of X-efficiencyzh_TW
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dc.relation.reference (參考文獻) 大學保險學研究所未出版碩士論文。zh_TW
dc.relation.reference (參考文獻) Northeastern University , Boston, MA.zh_TW
dc.relation.reference (參考文獻) Nadege, G. ,and M. Philip. 1998. Bancassurance. MacMillan Presszh_TW
dc.relation.reference (參考文獻) LTD.zh_TW
dc.relation.reference (參考文獻) Shephard, R. W. 1970. The theory of cost and productionzh_TW
dc.relation.reference (參考文獻) functions. Princeton, N.J.: Princeton University Press.zh_TW
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