我國壽險業已在臺灣金融領域內佔有重要的地位，但在開放競爭下，其受到國際金融之影響甚劇，在2008年金融海嘯後，外商出走和相互購併的現象愈演愈烈，再加上低利率時代來臨及利差損現象的出現，壽險公司應如何訂定適當之決策並提高其經營績效就成為本研究之動機，進而評估後金融海嘯時期各壽險公司之經營效率之分析與統整。
本研究透過兩階段資料包絡分析法進行研究與探討，針對2010至2014年我國24間壽險公司營運表現進行評比，將整體過程分為「營銷能力」和「獲利能力」，並透過總技術效率、純粹技術效率以及規模效率進行分析並加以探討，藉此觀察台灣壽險產業之概況與遷變，甚至是各壽險公司表現之優劣，此外，提供差額分析之結果，以利臺灣壽險業管理階層之相關單位進行評估與規劃未來之政策走向時能有所幫助。
The life insurance companies have played a crucial role in Taiwan financial market. However, under Taiwan’s open policy, insurance companies have been influenced by the international market to a great extent. After the financial crisis in 2008, there has been an increasing number of foreign enterprise exits, merger and acquisition in the local market, acerbated by the low interest rate and negative interest spread. The soundness of the decisions made by the life insurance companies and the improvement of their operating performance became the two drivers for this study. In particular, the operating efficiency of the Taiwanese life insurance companies after the 2008 financial crises will be examined and analyzed.
Through the two-stage DEA, this study aims to evaluate the operating performance of 24 Taiwanese life insurance companies during the period from 2010 to 2014. We examined these companies based on two dimensions: Marketability and Profitability. In addition, Total Efficiency, Pure Total Efficiency, and Scale of Efficiency will be used to analyze and compare the performances of these companies. Finally, the findings will be presented in hopes of providing the management of life insurance companies in general and the authorities with a deeper understanding of the market during their decision-making process for future policies.
