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題名 臺灣地區人壽保險業競爭程度之分析
The competitiveness analysis on the life insurance industry in Taiwan
作者 蕭正仁
Sio, ChengIan
貢獻者 蔡政憲
蕭正仁
Sio, ChengIan
關鍵詞 壽險競爭
Panzer-Rosse 模型
life insurance competition
Panzer-Rosse model
日期 2011
上傳時間 30-Oct-2012 11:24:33 (UTC+8)
摘要 本篇文章目的是研究在1996 年至2004 年間，臺灣地區人壽保險業之競爭程度狀況，並希望藉以探討導致臺灣整體壽險市場經營困難的主要原因，到底是因為處於過度競爭的局面，還是受到市場經濟不景氣或政策利空等因素所影響？這些問題的探究可讓臺灣在往後金融發展政策上提供重要的參考基礎。本研究以Rosse-Panzar 非結構模型作為研究臺灣地區壽險業的競爭程度證據，發現1996年至2000 年壽險市場是處於完全競爭(PC)，但2001 年至2004 年均拒絶市場存在獨占力(M)或完全競爭(PC)之虛無假設，顯示該年度為壟斷性競爭市場(MC)。
The purpose of this paper is to examine the degree of the competition on the life insurance industry in Taiwan from 1996 to 2004 and to investigate thereason why the whole Taiwan life insurance market operates so difficultly.Perhaps it was because of the excessive competition, the economic downturn, bad policy, and some other factors? Exploration of these issues can provide an important reference on the financial development policy to Taiwan Insurance Supervisory Authority in the future. This paper use the Rosse-Panzar non-structural model as an evidence to support the result, It proved that the Taiwan life insurance market was in the perfect competition (PC) during the period of 1996 to 2000. In addition, from the year 2001 to 2004, it rejected the
null hypothesis of monopoly power (M) and perfect competition (PC), indicating that the monopolistic competition market (MC) existed.
參考文獻 中文部分：
沈中華、呂美慧(2007)，「本國銀行業逐年的競爭程度及其變化之分析」，證券市場發展季刊(TSSCI)，第十九卷第二期，頁119-152。
李兆章(2004)，「台灣地區壽險公司經營績效指之分析」，國立台北大學統計學系碩士論文。
李貞慧(2006)，「重新檢測台灣銀行業開放設立前後之市場結構」，私立東吳大學經濟學系碩士論文。
張文育(2001)，「台灣銀行業開放設立前後之市場結構分析」，國立台北大學經濟系碩士論文。
許志忠(2009)，「台灣壽險公司經營效率之研究――資料包絡分析法之應用」，國立臺灣科技大學財務金融碩士EMBA 論文。
許義松(1997)，「我國壽險公司經營能力分析」，逢甲大學保險學系碩士論文。
黃介良(1998)，「商業銀行市場佔有率之分析」，基層金融，32 期，59-88 頁。
黃榮華、楊長林、童添泉(2009)，「壽險業經營整合行銷績效評估模型建構之研究」，中華管理評論--國際學報，第十二卷第一期，頁1-26。
葉澤菁(2002)，「壽險業經營績效衡量指標之研究」，逢甲大學保險學系碩士論文。
劉邦典(2006)，「台灣壽險業動態策略群組之實證研究─論金改對壽險業者策略與績效之影響」，國立臺灣科技大學企業管理系碩士論文。
英文部分：
Bain, J. S.,(1956), “ Barriers to New Competition: Their Character and Consequences inManufacturing Industry” (Cambridge, MA:Harvard University Press).
Bajtelsmit, V., and R. Bouzouita,(1998),“ Market Structure and Performance in Private”Passenger Automobile Insurance, Journal of Risk and Insurance 65(3), 503-514
Berger, A., and T. Hannan, (1989), “The Price-Concentration Retationship inBanking, ”Review of Economics and Statistics 71, 291-299
Bikker, J. A. and Haaf K.(2002),“Competition, Concentration and Their Relationship: AnEmpirical Analysis of the Banking Industry,” Journal of Banking and Finance 26,
2191-2214
Bresnahan, T.F.(1982),“The Oligopoly Solution is Identified,” Economics Letters 10, 87-92.
Bourke, P., (1989), “ Concentration and Other Determinants of Bank Profitability in Europe, ”North America and Australia, Journal of Banking and Finance 13, 65-79.
Carroll, A.(1993), “An Empirical Investigation of the Structure and Performance of the Private Workers’ Compensation Market, ” Journal of Risk and Insurance 60(2) 185-207
Cummins, J. D. , Tennyson, S. and Weiss, M. A(1999), “Consolidation and Efficiency in the US life insurance industry,” Journal of Banking & Finance 23, 325-357.
De Bandt, O. and E. P. Davis (2000),“Competition, Contestability and Market Structure in European Banking Sectors on the Eve of EMU,”Journal of Banking and Finance 24, 1045-1066.
Gelos, R. G. and J. Roldόs (2002), “Consolidation and Market Structure in Emerging Market Banking Systems,” IMF Working Paper, No. WP/02/186.
Iwata, G. (1974), “Measurement of Conjectural Variations in Oligopoly,”Econometrica, 42, 947-966.
Lerner A.P.(1934), “The Concept of Monopoly and the Measurement of Monopoly Power,” The Review of Economic Studies (1934) 1(3), 157-175
Mason, E. S., 1939, “Price and Production Policies of Large-Scale Enterprise”, The American Economic Review 5, 61-71.
Nathan, A. and H. Neave (1989), “Competition and Contestability in Canada’s Financial System: Empirical Results,” Canadian Journal of Economics 22, 576-594.
Panzar, J. C. and Rosse, J. N.(1987), “Testing For “Monopoly” Equilibrium,” The Journal of Industrial Economics 4, 443-456
Shaffer, S. (1989), “Competition in the U.S. Banking Industry, ” Economics Letters 29(4), 321-323.
Shaffer, S. (1993), “A Test of Competition in Canadian Banking,” Journal of Money, Credit and Banking V. 25 N. 1, 49-61

網路部分：
財團法人保險事業發展中心: http://www.tii.org.tw/index.asp
描述 碩士
國立政治大學
風險管理與保險研究所
99358002
100
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0099358002
資料類型 thesis
dc.contributor.advisor 蔡政憲zh_TW
dc.contributor.author (Authors) 蕭正仁zh_TW
dc.contributor.author (Authors) Sio, ChengIanen_US
dc.creator (作者) 蕭正仁zh_TW
dc.creator (作者) Sio, ChengIanen_US
dc.date (日期) 2011en_US
dc.date.accessioned 30-Oct-2012 11:24:33 (UTC+8)-
dc.date.available 30-Oct-2012 11:24:33 (UTC+8)-
dc.date.issued (上傳時間) 30-Oct-2012 11:24:33 (UTC+8)-
dc.identifier (Other Identifiers) G0099358002en_US
dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/54593-
dc.description (描述) 碩士zh_TW
dc.description (描述) 國立政治大學zh_TW
dc.description (描述) 風險管理與保險研究所zh_TW
dc.description (描述) 99358002zh_TW
dc.description (描述) 100zh_TW
dc.description.abstract (摘要) 本篇文章目的是研究在1996 年至2004 年間，臺灣地區人壽保險業之競爭程度狀況，並希望藉以探討導致臺灣整體壽險市場經營困難的主要原因，到底是因為處於過度競爭的局面，還是受到市場經濟不景氣或政策利空等因素所影響？這些問題的探究可讓臺灣在往後金融發展政策上提供重要的參考基礎。本研究以Rosse-Panzar 非結構模型作為研究臺灣地區壽險業的競爭程度證據，發現1996年至2000 年壽險市場是處於完全競爭(PC)，但2001 年至2004 年均拒絶市場存在獨占力(M)或完全競爭(PC)之虛無假設，顯示該年度為壟斷性競爭市場(MC)。zh_TW
dc.description.abstract (摘要) The purpose of this paper is to examine the degree of the competition on the life insurance industry in Taiwan from 1996 to 2004 and to investigate thereason why the whole Taiwan life insurance market operates so difficultly.Perhaps it was because of the excessive competition, the economic downturn, bad policy, and some other factors? Exploration of these issues can provide an important reference on the financial development policy to Taiwan Insurance Supervisory Authority in the future. This paper use the Rosse-Panzar non-structural model as an evidence to support the result, It proved that the Taiwan life insurance market was in the perfect competition (PC) during the period of 1996 to 2000. In addition, from the year 2001 to 2004, it rejected the
null hypothesis of monopoly power (M) and perfect competition (PC), indicating that the monopolistic competition market (MC) existed.		en_US
dc.description.tableofcontents 誌謝 …………………………………………………………………… i
搞要 …………………………………………………………………… ii
Abstract …………………………………………………………… iii
目錄 ………………………………………………………………… iv
圖目錄 ………………………………………………………………… v
1 前言 ………………………………………………………………… 1
2 文獻回顧 ………………………………………………………………9
2.1 Panzar-Rosse 檢定法(外國部分) ……………………………… 9
2.2 Panzar-Rosse 檢定法(臺灣部分) ……………………………… 10
2.3 結構性與非結構性指標的差異…………………………………… 10
3 競爭的衡量 ……………………………………………………………11
3.1 競爭程度的衡量:P-R H 檢法 …………………………………… 11
3.1.1 解釋變數:要素投入價格變數 ………………………………… 12
3.1.2 解釋變數:控制變數 …………………………………………… 13
3.2 均衡式的估計……………………………………………………… 14
3.3 資料………………………………………………………………… 15
4 實證結果 …………………………………………………………… 15
4.1 均衡檢定…………………………………………………………… 15
4.2 競爭程度檢定……………………………………………………… 17
5 結構性衡量競爭指標………………………………………………… 19
6 結論…………………………………………………………………… 20
參考文獻………………………………………………………………… 23		zh_TW
dc.language.iso en_US-
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0099358002en_US
dc.subject (關鍵詞) 壽險競爭zh_TW
dc.subject (關鍵詞) Panzer-Rosse 模型zh_TW
dc.subject (關鍵詞) life insurance competitionen_US
dc.subject (關鍵詞) Panzer-Rosse modelen_US
dc.title (題名) 臺灣地區人壽保險業競爭程度之分析zh_TW
dc.title (題名) The competitiveness analysis on the life insurance industry in Taiwanen_US
dc.type (資料類型) thesisen
dc.relation.reference (參考文獻) 中文部分：
沈中華、呂美慧(2007)，「本國銀行業逐年的競爭程度及其變化之分析」，證券市場發展季刊(TSSCI)，第十九卷第二期，頁119-152。
李兆章(2004)，「台灣地區壽險公司經營績效指之分析」，國立台北大學統計學系碩士論文。
李貞慧(2006)，「重新檢測台灣銀行業開放設立前後之市場結構」，私立東吳大學經濟學系碩士論文。
張文育(2001)，「台灣銀行業開放設立前後之市場結構分析」，國立台北大學經濟系碩士論文。
許志忠(2009)，「台灣壽險公司經營效率之研究――資料包絡分析法之應用」，國立臺灣科技大學財務金融碩士EMBA 論文。
許義松(1997)，「我國壽險公司經營能力分析」，逢甲大學保險學系碩士論文。
黃介良(1998)，「商業銀行市場佔有率之分析」，基層金融，32 期，59-88 頁。
黃榮華、楊長林、童添泉(2009)，「壽險業經營整合行銷績效評估模型建構之研究」，中華管理評論--國際學報，第十二卷第一期，頁1-26。
葉澤菁(2002)，「壽險業經營績效衡量指標之研究」，逢甲大學保險學系碩士論文。
劉邦典(2006)，「台灣壽險業動態策略群組之實證研究─論金改對壽險業者策略與績效之影響」，國立臺灣科技大學企業管理系碩士論文。
英文部分：
Bain, J. S.,(1956), “ Barriers to New Competition: Their Character and Consequences inManufacturing Industry” (Cambridge, MA:Harvard University Press).
Bajtelsmit, V., and R. Bouzouita,(1998),“ Market Structure and Performance in Private”Passenger Automobile Insurance, Journal of Risk and Insurance 65(3), 503-514
Berger, A., and T. Hannan, (1989), “The Price-Concentration Retationship inBanking, ”Review of Economics and Statistics 71, 291-299
Bikker, J. A. and Haaf K.(2002),“Competition, Concentration and Their Relationship: AnEmpirical Analysis of the Banking Industry,” Journal of Banking and Finance 26,
2191-2214
Bresnahan, T.F.(1982),“The Oligopoly Solution is Identified,” Economics Letters 10, 87-92.
Bourke, P., (1989), “ Concentration and Other Determinants of Bank Profitability in Europe, ”North America and Australia, Journal of Banking and Finance 13, 65-79.
Carroll, A.(1993), “An Empirical Investigation of the Structure and Performance of the Private Workers’ Compensation Market, ” Journal of Risk and Insurance 60(2) 185-207
Cummins, J. D. , Tennyson, S. and Weiss, M. A(1999), “Consolidation and Efficiency in the US life insurance industry,” Journal of Banking & Finance 23, 325-357.
De Bandt, O. and E. P. Davis (2000),“Competition, Contestability and Market Structure in European Banking Sectors on the Eve of EMU,”Journal of Banking and Finance 24, 1045-1066.
Gelos, R. G. and J. Roldόs (2002), “Consolidation and Market Structure in Emerging Market Banking Systems,” IMF Working Paper, No. WP/02/186.
Iwata, G. (1974), “Measurement of Conjectural Variations in Oligopoly,”Econometrica, 42, 947-966.
Lerner A.P.(1934), “The Concept of Monopoly and the Measurement of Monopoly Power,” The Review of Economic Studies (1934) 1(3), 157-175
Mason, E. S., 1939, “Price and Production Policies of Large-Scale Enterprise”, The American Economic Review 5, 61-71.
Nathan, A. and H. Neave (1989), “Competition and Contestability in Canada’s Financial System: Empirical Results,” Canadian Journal of Economics 22, 576-594.
Panzar, J. C. and Rosse, J. N.(1987), “Testing For “Monopoly” Equilibrium,” The Journal of Industrial Economics 4, 443-456
Shaffer, S. (1989), “Competition in the U.S. Banking Industry, ” Economics Letters 29(4), 321-323.
Shaffer, S. (1993), “A Test of Competition in Canadian Banking,” Journal of Money, Credit and Banking V. 25 N. 1, 49-61

網路部分：
財團法人保險事業發展中心: http://www.tii.org.tw/index.asp		zh_TW