產險公司策略與核保績效－採動態策略群組觀點Strategies and Underwriting Performance among Property and Casualty Insurers

摘要
　　本文採用動態策略群組觀點，將台灣地區產險公司依其策略構面進行分組，並運用追蹤型資料線性迴歸模型，探討影響各群組公司核保績效之策略變數。實證結果顯示1999年12月財政部宣布以RBC作為台灣保險監理準則之前後，產險公司之關鍵策略運用確實有異，且存有策略特性不同之策略群組，本研究發現RBC宣布之後，影響產險公司核保績效之主要策略因素為公司規模、公司年齡與再保險比率，可作為產險業者經營與擬定策略之參考。
關鍵字：動態策略群組、核保績效、追蹤型資料
Abstract
　　Taking the view of dynamic strategic group, this study categorizes property and casualty insurers in Taiwan according to their strategic dimensions. We also apply panel data regression analysis to examine the strategic factors that affect the underwriting performance among the insurers. The results indicate that, the insurers’ strategies and strategic groups were varied after December 1999, when the Ministry of Finance declared RBC to be the insurance regulatory standards in Taiwan. The main strategic factors in influencing underwriting performances of the insurers after December 1999 include size, age and reinsurance. Managerial suggestions for property and casualty insurers are provided.
Keywords: dynamic strategic group, underwriting performance, panel data