產險業財業務績效與市占率之分析An Analysis of Financial and Business Performance and Market Share in Non-Life

摘要
　　本研究探討產險公司之於2005至2007年之財業務績效及對市占率之影響。首先利用因素分析將17個產險公司財業務比率萃取得到4個經營績效指標：整體營運、投資能力、核保品質及業務能力，並計算因素得點檢定本土及外商公司、金控與非金控體系下之差異性；最後透過迴歸分析找出影響金控與非金控體系下公司市占率的經營績效指標。結果發現整體營運及投資能力顯著影響金控體系公司的市占率，整體營運及核保品質顯著影響非金控體系公司的市占率，而業務能力在兩體系下則對公司市占率沒有顯著影響。
關鍵字：產險、財業務績效、市占率
Abstract
　　This research explores the effect of financial and business performance to market share of non-life insurance companies in Taiwan from 2005 to 2007. First, apply factor analysis to extract seventeen financial rates into four factors which are defined as “whole operation,” “invest ability,” “underwrite quality,” and “business ability.” Then apply regression analysis to find factors which affect the company’s market share in financial holding and non-financial holding systems. Testing results show that the “whole operation” and “invest ability” significantly affect market share in financial holding system. The “whole operation” and “underwriting quality” are significant in non-financial system, but “business ability” does not affect market share in both systems.
Keywords: non-life insurance, financial and business performance, market share