题名

中國壽險公司產品多角化與經營績效

并列篇名

Product Diversification and Financial Performance: Evidence from Chinese Life Insurers

DOI

10.30137/IM.201106.0002

作者

張簡永章(Iung-Jang Chang-Chien)；吳明哲(Ming-Che Wu)；王惠正(Hui-Cheng Wang)

关键词

產品多角化 ； 地區多角化 ； 財務績效 ； production diversification ； geographic diversification ； financial performance

期刊名称

保險專刊

卷期/出版年月

27卷1期（2011 / 06 / 01）

页次

37 - 66

内容语文

繁體中文
中文摘要

本文目的為運用中國壽險公司2005年至2008年追蹤資料，檢驗產品多角化與公司績效之間是否相關。結果發現，產品多角化與公司財務績效呈顯著負相關，此意味相較於多角化策略，產品集中策略在中國壽險市場可能更具優勢。易言之，中國壽險保險人簽單業務集中程度愈高，專業化利益愈大，公司財務績效愈好。而且，研究亦發現，三大經濟地帶多角化衡量指標變數與公司績效呈顯著負相關，此也意喻中國壽險公司營運愈分散於東部、中部及西部三大經濟地帶，公司財務績效愈差。
英文摘要

This paper aims to investigate the relationship between product diversification and firm performance using the panel data from 2005 to 2008 of life insurers in China. The results indicated that product diversification have negative influence on the financial performance for the life insurers. This implied that product focus may be a superior operating strategy for insurers. In other words, China's life insurance business the higher the concentration, the greater professional interest, the better the company's financial performance. Moreover, the results also indicated that three major geographic diversification have negative influence on the financial performance for the life insurers. This shows that the Chinese life insurance companies operating more dispersed in eastern, central and western three areas, the worse the company's financial performance.
主题分类 社會科學 > 社會學
社會科學 > 經濟學
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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,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。
  3. 賴丞坡、李昇倫(2012)。公司治理對產險公司經營績效影響之研究。保險專刊，28(2)，169-185。
  4. 蕭維萱、鄭士卿、汪琪玲(2017)。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。臺大管理論叢，27(2S)，289-318。
  5. 張簡永章(2012)。中國產險公司產品多角化與經營績效。保險專刊，28(1)，27-59。
  6. (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。
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