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題 名 | 臺灣壽險產業規模經濟和多元經濟之研究=Scale and Scope Economies in the Taiwan Life Insurance Industry |
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作 者 | 莊武仁; 黃秀玲; | 書刊名 | 淡江學報 |
卷 期 | 36 1998.05[民87.05] |
頁 次 | 頁135-158 |
分類號 | 563.7 |
關鍵詞 | 壽險產業; 規模經濟; 多元經濟; 成本下加性; Insurance industry; Scale economies; Scope economies; Cost subadditivity; |
語 文 | 中文(Chinese) |
中文摘要 | 依據臺灣壽險產業多元化生產之特性,本文利用超越對數成本函數,分析自民國七十六年國內保險市場開放後,壽險產業的規模經濟和多元經濟,並據以探討本國壽險公司和外商壽險公司在生產效益和成本結構的差異性。研究結果發現國內保險市場在邁向自由化後,為了因應外在環境的改變,本國壽險公司的成本函數確實產生顯著的結構性變化。比較本國和外商壽險公司生產成本的差異性,亦顯示外商公司的生產較具有成本效益。國內較小規模壽險公司的生產仍具有明顯的規模經濟,而多元經濟的效益則普遍存在,同時產出分化和專案分工一樣,都不具成本效益。以增設分支機構的方式擴增生產規模,將使規模較大的壽險公司喪失原已享有的規模經濟。因此,政府產業政策的擬訂應鼓勵新種產品的開發,放寬較小型壽險公司增設分支機構的條件,和鼓勵壽險公司以合併的方式擴增生產規模。 |
英文摘要 | This paper specifies a multi-product trans-log cost function to measure the economies of scale and scope for the Taiwan life insurance industry, and to analyze the differences in the production efficiency and cost structure between the domestic and foreign companies, using data since the domestic market was opened to foreign company in 1987. The result indicates that the domestic companies did show a structural change in cost function since the liberalization to Taiwan insurance market. The result also indicates that foreign companies are more cost efficient than domestic ones. Small companies in the insurance market do exhibit economies of scale, and the economies of scope prevail for all sizes of company. The division of output, same as the specialization in production, is not cost efficient. The establishment of new branches is not a efficient way for the large companies to expand production. In terms of policy implication, the development of new products, the establishment of new branches for small companies, and the acquisition and merge in the market should be encouraged. |
本系統中英文摘要資訊取自各篇刊載內容。