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博碩士論文 etd-0712102-104414 詳細資訊
Title page for etd-0712102-104414
論文名稱
Title
台灣產險業之經營績效-規模經濟.範疇經濟與效率之分析
A Studey of Operating Performance of Property Insurance Industry in Taiwan-The Analysis of Scale Economies,Scope Economies and Efficiency
系所名稱
Department
畢業學年期
Year, semester
語文別
Language
學位類別
Degree
頁數
Number of pages
64
研究生
Author
指導教授
Advisor
召集委員
Convenor
口試委員
Advisory Committee
口試日期
Date of Exam
2002-06-19
繳交日期
Date of Submission
2002-07-12
關鍵字
Keywords
產險業、規模經濟、範酬經濟、經營績效
scale economies, property insurance industry, operating performance, scope economies
統計
Statistics
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The thesis/dissertation has been browsed 5715 times, has been downloaded 51 times.
中文摘要
摘 要

政府開放保險市場,雖然讓金融市場更為自由化、國際化,但經營環境的迅速變化、外來競爭者增加,對國內市場產生了極大的衝擊,不論對內或對外競爭都日益激烈。為了提供安全的財產及責任保障,需要體質健全且實力雄厚的產物保險公司設立存在,讓大眾的權益得以被保障。在高度競爭的壓力下,台灣的產險業面臨前所未有的市場競爭,經營風險隨之相對增加,甚至影響其經營績效。產物保險公司的經營是否健全,影響國家經濟社會安定甚鉅,其榮枯反映出總體經濟的狀況,其重要性不可小窺。未來產險市場競爭程度日漸升高,市場規模亦日益擴大,產業的成本及生產效益成為注重的焦點。因此本文將藉由實證方法對台灣產險公司的經營效率進行探討分析。

本文以十三家台灣產險公司為研究對象,擷取民國八十三年至八十九年間之財務資料,利用多元產出之Translog 成本函數,來分析台灣產險業之規模經濟、範疇經濟、X效率及A-U偏替代彈性,探討產險業之經營績效。期能提供廠商未來決策之參考依據。
結果顯示,台灣產險業整體不具規模經濟,而規模越小的公司卻具有顯著之規模經濟,市場佔有率高的公司不具規模經濟。就範疇經濟,整體產險業皆無此現象,顯示產品的多樣化不能有效降低成本增加績效。至於各廠商則是普遍存在管理上的無效率,且各家差異不大。此外,由A-U偏替代彈性來看,勞動及資本間存在替代關係。
Abstract
none
目次 Table of Contents
目 錄
摘要…………………………………………………………………………………….i
誌謝……………………………………………………………………………………ii
目錄…………………………………………………………………………………...iii
圖表目錄……………………………………………………………………………...iv
壹、緒論……………………………………………………………………………….1
一、研究動機及目的…………………………………………………………….1
二、研究對象及範圍…………………………………………………………….2
三、研究方法及限制…………………………………………………………....3
四、本文架構………………………………………………………………….....4
貳、我國產險業的發展及現況探討……………………………………………….…5
一、產險業發展概況………………………………………………………….…5
二、產險市場分析…………………………………………………………….…8
三、產險業在金融機構的地位………………………………………………..…9
四、產險業資金運用現況………………………………………………………10
參、文獻回顧………………………………………………………………………..12
肆、模型設定與資料說明…………………………………………………………..30
一、實證模型…………………………………………………………………..30
二、資料來源及處理…………………………………………………………..32
三、規模經濟及範疇經濟之衡量指標…………………………………………34
四、X-efficiency及A-U偏替代彈性…………………………………………..38
伍、實證結果分析………………………………………………………………..…40
陸、結論與建議……………………………………………………………………..51
柒、附錄…………………………………………………………………………..…54
捌、參考文獻………………………………………………………………………..59
參考文獻 References
參考文獻
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12.鄭秀玲、陳欽奇(1996),「國內外銀行業規模經濟、多樣化經濟及效率研究之比較」,經濟研究,第三十四卷第二期,頁111-147。
13.盧坤泉(1998),「產險業市場結構與經營績效關係之研究」,逢甲大學保險所,碩士論文。
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