| 摘要註: |
壽險公司在競爭激烈的市場中，除了需面對內部的經營成效及外部的各種不確定因素外，低利率時代所帶來的衝擊也考驗著壽險公司的經營。而保費收入的多寡往往影響一家壽險公司的經營績效，Houston and Simon (1970)、Grace and Timme (1992)等均主張以保險費收入做為產出。但保險費收入又如同銀行業的資金投入，故也有投入的性質。因此，保費收入具有投入及產出的雙重特性，所以將其列於「中間產品」進行評估。而使用二階段資料包絡分析法能評估出保費收入是否合適，並運用最適化的方法，尋求利潤與收益最大化，成本最小化的目標，及找出無效率的壽險公司。本研究應用二階段資料包絡分析法，評估台灣壽險公司的經營績效。衡量期間為2004-2008年間效率變動的情形。第一個階段的投入項為內勤人數、外勤人數、固定資產、其他資產，產出項(指中間產品，即第二階段的投入)為人壽、健康、傷害等保險保費收入；第二階段的投入項(指中間產品，即第一階段的產出)為人壽、健康、傷害等保險保費收入，產出項為現金及銀行存款、放款、投資。結果發現兩階段的衡量法較傳統的一階段衡量法，更能呈現壽險公司經營績效的內涵。其研究結果可提供國內主管機關與社會大眾瞭解壽險市場經營概況，並提供決策者作為管理上之建議。 Life insurance companies in the highly competitive market, in addition to the business of facing the effectiveness of internal and external range of uncertain factors, low interest rates, the impact of age is also a test of the operating life insurance companies. The amount of premium income, life often affect a company's operating performance, Houston and Simon (1970), Grace and Timme (1992) are all advocates premium income as output. But then, as premium income investment banking, it has put into nature. Therefore, the premium income with the input and output of the double feature, so they are listed in the‘ intermediate measure ’assessment. The use of two-stage data envelopment analysis to assess the suitability of premium income and the application of optimization methods, for profit and revenue maximization, cost minimization objectives, and to identify inefficient life insurance companies. In this study, two-stage data envelopment analysis to assess the life insurance company's operating performance. To measure the efficiency of the period between 2004-2008, the situation changes. The first phase of the number of inputs for the back office, field size, fixed assets, other assets, output (referring to intermediate measure, the second phase of the input) for the life, health, injury and other insurance premiums; the second phase of inputs (referring to intermediate measure, the first phase of the output) for the life, health, injury and other insurance premiums, outputs for the cash and bank deposits, loans and investment. The results showed that the measurement of two-stage method to measure the more traditional method of a stage, life insurance companies showed better performance of the content. The findings may provide the competent national authorities and the business community understand the life insurance market overview, and provide decision-makers as the management were proposed. |