[[alternative]]A Study of Operating Efficiency for Taiwan’s Insurance Industry Using Groups Analysis

[[abstract]] 本研究以2006年至2012年台灣產險業為研究對象，運用資料包絡分析法(Data Envelopment Analysis，DEA)及Malmquist生產力指數，評估台灣產險業的經營效率與其生產力變動，並根據技術效率和生產力變動將台灣產險公司依其發展類型加以分群，以提供業者後續轉型、決策參考。 研究結果顯示台灣產險業之平均效率稍嫌偏低，大部分產險公司需要再加強改善效率；而在生產力方面，大部分的產險公司生產力皆呈現持續成長，少部分的產險公司則略顯衰退。各產險公司平均生產力於2006-2012年間衰退2.3%，生產力變動的主要來源為技術進步；但在效率變動方面，則是略顯衰退；因此若要促進生產力持續成長，除了需要繼續加強技術改善，也應加強效率的改善。最後，經由技術效率與生產力變動，了解產險業經營效率、競爭及群組存在現象。可將各產險公司發展區分為四個群組：高成長高效率類型、高成長低效率類型、低成長高效率類型、低成長低效率類型。而高成長高效率最具有競爭力、其中低成長低效率競爭力則最弱。[[abstract]] This study in Taiwan from 2006 to 2012 the property insurance industry as the research object, using data envelopment analysis (Data Envelopment Analysis, DEA) and Malmquist productivity index to assess the operational efficiency of Taiwan insurance industry and their movements in productivity, and according to the technical efficiency and changes in productivity will be the development of Taiwan's insurance companies according to their type of clustering to provide follow-up industry restructuring , decision-making. The results showed that the average efficiency of the insurance industry in Taiwan is a bit low, most of the insurance companies need to strengthen the efficiency improvement ; while in productivity , most insurance companies are showing sustained productivity growth , a small part of the insurance companies slightly decline. The average productivity of the various insurance companies in the recession of 2.3% between 2006-2012 , the main source of productivity changes and technological progress ; But in terms of changes in efficiency , it is somewhat recession ; therefore continue to promote productivity growth , in addition to the need to continue to strengthen technical improvements should also be strengthened to improve efficiency . Finally, changes in efficiency and productivity through technology , property and casualty insurance industry to understand the operating efficiency , competition and the existence of a group phenomenon . The development of various insurance companies can be divided into four groups : high-growth type of high efficiency , high- growth type of inefficiency and low growth high efficiency type , low growth and efficiency type. The high growth ofthe most competitive high-efficiency , low growth and efficiency in which competitiveness is the weakest