题名

保險業集中度及效率對市場競爭程度的影響：以日本產險業為例

并列篇名

The Impact of Concentration and Efficiency on Market Competition: An Analysis of Japanese Non-Life Insurance Industry

DOI

10.6226/NTUMR.2017.JAN.RM104-019

作者

鄭士卿(Vivian Shih-Ching Jeng)；汪琪玲(Kili Chi-Ling Wang)；蕭維萱(Kahlen Wei-Hsian Hsiao)

关键词

市場競爭程度 ； 市場壟斷力 ； 集中度 ； 效率 ； 日本產險業 ； market competition level ； market power ； concentration ； efficiency ； Japanese non-life insurance industry

期刊名称

臺大管理論叢

卷期/出版年月

27卷2S期（2017 / 05 / 01）

页次

289 - 318

内容语文

繁體中文
中文摘要

本文研究日本產險公司併購重組造成市場集中、公司經營效率改變，對市場競爭程度的影響。以壟斷力指標（Lerner Index）衡量市場競爭程度，以赫芬達指數衡量市場集中度、以資料包絡分析法所求出之效率值衡量為公司效率。結果發現，日本產險業市場集中度及公司效率皆對競爭度有負向影響，且日本市場集中度與市場競爭度反向關係，僅存在於市場壟斷力較大的子樣本。壟斷力高之廠商，專注主要險種之產品策略、優於多角化策略。
英文摘要

This study assesses the impact of concentration and efficiency on competition in the Japanese non-life insurance industry and use the fixed effect model to analyze data from 2001 to 2012. We use the Lerner index as a proxy for market power while measuring market concentration by using the Herfindahl-Hirschman index. The data envelopment analysis method is also used to evaluate the efficiency of insurance companies. We find that the higher the concentration level or firm efficiency, the higher the Lerner index of the firm. Further analysis shows that the positive relationship between concentration level and market power exists only in firms with higher market power. The strategy of firms with high market power tends to be specializing in main product lines such as auto lines, but diversification can raise the market power within low-market-power firms.
主题分类 基礎與應用科學 > 資訊科學
基礎與應用科學 > 統計
社會科學 > 經濟學
社會科學 > 財金及會計學
社會科學 > 管理學
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被引用次数
  1. 陳冠志(2021)。多元化經營可提升績效嗎？－以台灣產物保險業為例。管理與系統，28(1)，89-114。
  2. 陳冠志(2022)。台灣產險業績效與市場競爭力之動態追蹤資料分析。中山管理評論，30(3)，555-592。
  3. 陳冠志,張瑞益,李七花(2020)。中國財產保險業多元化經營與財務績效之非線性關聯分析。中山管理評論，28(3)，507-545。
  4. 李珍穎(2018)。金融危機與風險承擔行為之探討－以財產保險產業為例。風險管理學報，20(2)，106-130。
  5. 李珍穎(2022)。金融危機對臺灣人壽保險產業風險承擔之影響。Journal of Data Analysis，17(3)，17-43。
  6. 馬泰成(2018)。結合管制：效率與公平間之取捨。臺大管理論叢，28(3)，177-203。
  7. (2021)。台灣產險公司產品和業務多元化與經營績效之關聯性分析。臺灣銀行季刊，72(1)，25-43。
  8. (2023)。台灣金融業ESG投資績效與競爭力之關聯性分析。臺灣銀行季刊，74(2)，88-108。
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