标题: | 两岸人身保险业者生产力与效率分析--三阶段评估法之应用 Efficiency of Life Insurance Firms in Taiwan and Mainland China: An Application of Three-stage Evaluation |
作者: | 李雅媚 胡均立 经营管理研究所 |
关键字: | 资料包络分析法;三阶段评估法;人身保险产业;中国大陆;台湾;Data envelopment analysis;three-stage approach;Life insurance;mainland China;Taiwan |
公开日期: | 2006 |
摘要: | 国大陆在加入WTO之后,法令与市场的开放,带动全球保险企业前进中国大陆。中国市场是块未开发的瑰宝,近13 亿的人口规模、社会保障体系改革的推进,以及国民生活水平的提高,都为中国大陆的保险业提供了巨大的发展空间。 本研究第一阶段先以资料包络分析法,针对中国大陆29家及台湾28家人身保险业厂商,分别计算各年度的整体技术效率。总共有两个产出项(保费收入、投资收入)和四个投入项(负债资本、权益资本、营业费用和员工人数)的变数投入,估计期间为2003-2005年。所有的变数均以2003年为基期之实质美元为货币单位。 本研究利用Charnes et al. (1981) 三阶段分析法,比较大陆和台湾人身保险业厂商的经营绩效。于第二阶段,整合每个决策单位每年的目标投入和产出值形成一个群体,并计算每年的相对效率值。在第三阶段,使用Mann-Whitney U test检查二个子群体在差额调整之后之效率值是否存在显着差异。 This thesis applies the three-stage analysis approcah proposed by Chranes et al. (1981) to compare the efficeincy of life insurance firms in Taiwan and mainland China. In the first stage, the data envelopment analysis (DEA) is applied to respectively compute the overall efficiency of 29 mainland Chinese life insaurance companies and 28 Taiwanese companies in two distinct subgroups in each year. There are two output (insurance income and investement income) and four inputs (equity capital, owner’s capital, business & administrative expenses, employees). The research period is from 2003 to 2005. All variables in monetary units are adjusted into real variables in the 2003 US dollars. In the second stage, we combine the target inputs and outputs obtained for each DMU in each year to constitute a group. Relative efficiency scores are obtained from the combined group of target inputs and outputs. In the third stage, we use the Mann-Whitney U test to examine whether or not there is a significant difference between the efficiency scores of these two subgroups after within-group slack adjustment. The traditional two-stage approach is also used for comparison: In the first stage, we use all insurance firms to do the DEA analysis. Relative efficiency scores are obtained from the combined group of original inputs and outputs. In the second stage, we use the Mann-Whitney U test to examine whether or not there is a significant difference between the efficiency scores of these two subgroups. |
URI: | http://140.113.39.130/cdrfb3/record/nctu/#GT009437513 http://hdl.handle.net/11536/81794 |
显示于类别: | Thesis |
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