影響金融機構保險績效關鍵因素之探討

Effects of Key Factors on Insurance Performance of Financial Institutions

本研究使用銀行、信用合作社及農會於 2016 年及 2017 年之保險績效資料，以探 討影響金融機構保險績效之關鍵因素。依據平均數檢定結果顯示，隸屬金控集團之金 融機構保險績效優於非隸屬金控集團、僅與一家壽險公司合作之金融機構保險績效優 於與多家壽險公司合作、信用合作社之保險績效優於農會、銀行之保險績效優於信用 合作社與農會。本研究採用多元迴歸分析，以普通最小平方法進行實證，研究結果顯 示存款金額、資本適足率、資產週轉率、保險業務員證照張數與員工具大專以上學歷 人數對保險績效呈顯著正向影響。本文之研究結果與建議以期對金融機構保險績效之 提升有所助益。

This study uses the insurance performance data of banks, credit cooperatives, and farmers' associations in 2016 and 2017 to investigative the key factors that affect the insurance performance of financial institutions. The mean test results show that the financial institutions affiliated with the financial holding companies (FHC) have better insurance performance than those affiliated with the non-FHC. Moreover, the financial institutions that cooperate with only one life insurance company have better insurance performance than those that cooperate with multiple life insurance companies. The insurance performance of credit cooperatives is better than that of farmers' associations, whereas the insurance performance of banks is better than those of credit cooperatives and farmers' associations. Multiple regression analysis and ordinary least squares method are adopted in this study. The deposit amount, the capital adequacy ratio, the asset turnover ratio, the number of licenses of insurance solicitors, and the number of staff with college education (or above) have significant positive effects on insurance performance of financial institutions. Our results and suggestions are expected to generate certain guidelines that can help further improve the insurance performance of financial institutions.