台灣地區產險業經營績效因素之研究－財務面的實證分析A Study on Determinants of the Performance of Property-Liability Insurance

本文由財務觀點，應用多變量統計分析影響台灣地區本國與外商產險公司績效之可能因素。本文利用Panel data, 並以因素分析、區別分析、集群分析等方法進行分析，並探討影響產險業經營績效之因素。研究結果顯示：影響產險公司的績效因素依序分別為資產品質因素、業務性因素、資本適足性因素、投資能力因素、核保品質因素等因素。
關鍵字：產險業、多變量統計分析、結構-行為-績效假說、相對獨佔力假說
JEL分類代號：G22、L25
Abstract
Using Multivariate Statistical Analysis model, this study evaluates the factors, which are influencing the performance of the domestic and foreign-owned property-liability insurance industry. By collecting panel data, this study employs the factor analysis model, discriminate analysis and cluster analysis to set up the influencing performance equations. The findings show that the influencing factors of property-liability insurance industry’s performance are asset quality, business ability, capital adequacy, investment ability, and underwrite quality factors.
Keywords: property-liability insurance industry, multivariate statistical analysis, structure-conduct-performance, relative market power
JEL Classification: G22、L11、L25