A Study on the Influence Factors of Operational Performance of Life Insurance Industry: The Differentiation Analysis between Local and Foreign Companies

[[abstract]]本文主要探討本土及外商壽險公司營運績效影響因素相關性及差異分析，並運用Panel Data 迴歸法分析來探討各項變數「年度佣金FYC」、「年資」、「職級」、「性別」、「件數」及「本土/外商」對業務績效（以初年度保費FYP 代表）是否有顯著關係。 本土壽險公司與外商壽險公司因其業務制度設計重點的不同，開發擴展的商品重心點亦不盡雷同，導致業務人員商品行銷方向及開發領域的運作結果略有差異，研究結果顯示除「性別」、「職級」變數因子對「初年度保費FYP」無顯著相關外，「首年度FYC 佣金績效」「年資」、「件數」三項因素皆呈現著顯著正向影響；此外，以本土公司與外商公司為差異分析變數，結果發現本土公司在「初年度保FYP」之表現相對於外商公司較高，這與壽險業實務運作結果相當吻合。[[abstract]]This paper applies panel data regression model to investigate the correlation anddifferentiation of operational performance between local and foreign life insurancecompanies in Taiwan And explore the significance level of potential factors by usingsix explanatory variables including “first-year commission” “experience age” “degree of staff” “gender” “number of case” and the dummy of “local/ foreign”respectively The differentiation of uniform design between local and foreign companies should influence the development of commodities types marketing strategies and future fields The empirical result shows that operational performance is not affected significantly by “gender” and “degree of staff” and is positive affected significantly by “first-year commission” “experience age” and “number of case” Furthermore the operational performance of local company is better than that of foreign company by the dummy variable which could match explicitly the exercise experience of life insurance industr