從經營現況探討本國產險業分支機構經營策略群組之應用Application Analysis of Strategic Operating Groups from Domestic Property

摘要
本研究以2004年至2006年國內某產險公司分支機構之營運年報資料來建立經營策略群組。經實證結果發現：透過因素分析法萃取的經營因素，包含獲利能力因素、展業能力因素與管理能力因素。此外透過三項經營因素利用層次式集群分析法，將研究樣本區分為績優模範群、業務導向群、利潤導向群與重點監控群。而實證結果顯示，在展業能力方面，績優模範群、業務導向群表現較佳，在獲利能力方面，以績優模範群、獲利能力群表現較佳，在管理能力方面，此四群並無顯著差異。
關鍵字：策略群組、因素分析法、層次式集群分析法
Abstract
This paper establishes strategic operating groups based on the annual financial reports(2004~2006)of the local branches of a domestic Property and Casualty insurance company. The evidence shows: these operating factors extracting through factor analysis including profitability factor, company marketing capability factor and managerial capability factor. Furthermore, by using these three factors and hierarchical method, we divided out research sample into outstanding performance group, sales leading group, profit leading group and key point monitoring group. Again, the evidence shows: Outstanding performance and sales leading group show better performance in company marketing capability while outstanding performance group and profit leading group show better performance in profitability. However, there are no significant differences in managerial capability among these four groups.
Keywords: strategic groups, factor analysis, hierarchical method