經環境效果及統計噪音調整後的台灣地區人壽保險公司經營效率Environmental Effects and Statistical Noise-Adjusted Efficiency of Life

摘要
本文採用Fried et al.(2002)提出的三階段方法來衡量台灣地區人壽保險公司的經營效率，並分析影響投入差額的環境變數。研究結果發現，擁有金控集團背景可顯著降低負債資本差額和員工人數差額；提高市占率可顯著降低負債資本差額和權益資本差額；增加分支機構數顯著提高負債資本差額和員工人數差額；而擴張保險公司規模則顯著提高本文的三項投入差額。
關鍵字：三階段方法、經營效率、差額
Abstract
This paper adopts the three-stage analysis proposed by Fried et al.(2002) to measure the managerial efficiency of life insurance companies in Taiwan. Environmental variables affecting input slacks are also analyzed. Ownership of financial holding companies significantly reduces slacks of total liabilities and number of employees. The market share significantly decreases slacks of total liabilities and equity capital. The number of branches significantly increases slacks of total liabilities and number of employees. The scale significantly increases all three input slacks.
Keywords: three-stage analysis, managerial efficiency, slacks