An Analysis of Operation Performance of the Domestic Non-Life Insurance Industry in Taiwan - an Application of Multivariate Analysis

[[abstract]]本研究以多變量統計方法分析2007年到2010年不分年度探討台灣14家本國產險公司的經營績效。首先利用因素分析將財務業務指標分為四個因素，分別為整體營運、獲利能力、核保品質及經營管理。用這四個因素代表產險公司的經營績效，之後將旋轉後萃取出的因素得點來進行集群分析，得到2007年到2010年的分群結果，並將分群的結果與時事對照進行佐證。 研究結果發現富邦產險公司在2007至2010年皆被分在經營績效最好的一群，除此之外在2008年各產險公司的經營績效並不明顯受到金融海嘯的影響，但在2010年台塑大火、凡那比風災等重大事故卻有較大的影響。[[abstract]]This study based on multivariate statistics analysis of 2007 to 2012 discussed operation performance of fourteen the domestic non-life insurance companies First Use the factor analysis to divide financial and business index into four factors—overall operation profitability underwriting quality and management These four factors represent operation performance of non-life insurance company after rotating we choose the factor scores to use cluster analysis and get the result that obtain the grouping results from 2007 to 2010 finally using the news to verify the result The result of the study revealed that Fubon non-life insurance company was classified into the best operation performance group in year 2007 to 2010 in addition the operation performance of all non-life insurance companies weren't obviously affected by the financial tsunami in 2008 But it was affected by those include the fire accident of Formosa Plastic company Fanapi typhoon and more severe accidents in 201