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損害保険企業の効率性とアンダーライティングおよび販売戦略
http://hdl.handle.net/10965/216
http://hdl.handle.net/10965/216c4936fb6-08b5-42a1-8d2e-6a8753385728
| 名前 / ファイル | ライセンス | アクション |
|---|---|---|
KMR_16_101.pdf (137.4 kB)
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| Item type | 紀要論文 / Departmental Bulletin Paper(1) | |||||
|---|---|---|---|---|---|---|
| 公開日 | 2017-09-30 | |||||
| タイトル | ||||||
| タイトル | 損害保険企業の効率性とアンダーライティングおよび販売戦略 | |||||
| 言語 | ja | |||||
| タイトル | ||||||
| タイトル | Efficiency Performance of Japanese Non-Life Insurers and Their Underwriting and Distribution Strategies | |||||
| 言語 | en | |||||
| 言語 | ||||||
| 言語 | eng | |||||
| 資源タイプ | ||||||
| 資源タイプ識別子 | http://purl.org/coar/resource_type/c_6501 | |||||
| 資源タイプ | departmental bulletin paper | |||||
| 著者 |
宮下, 洋
× 宮下, 洋× 米山, 高生× 諏澤, 吉彦 |
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| 抄録 | ||||||
| 内容記述タイプ | Abstract | |||||
| 内容記述 | This study investigates how underwriting and distribution strategies affect the cost efficiency of non-life insurers in a deregulated market environment. The Japanese non-life insurance market experienced a sweeping reform in 1996. The deregulation increased the number of competitors with a variety of strategies on underwriting and distribution. Our investigation spans the whole period after the deregulation of 1996-2006, and covers 19 non-life insurers operating in the Japanese market. Since strategic considerations are important for non-life insurers, this study tries to clarify the relationship between insurers’cost efficiency and their business strategies. For the analysis, we employ the ordered probability model where dependent variables are ranking numbers of efficiency performance derived from the fixed effect model. We choose explanatory variables representing differences in strategies including the business mix, agency commission ratios and personnel expenses ratios. The results of our analyses reveal that factors affecting insurers’cost efficiency differ between relatively larger insurers and smaller ones. Domestic insurers with larger size and long operating history tend to deteriorate their efficiency as they increase the composition ratio of any line of insurance. In contrast, no such relationships except for fire insurance are observed for smaller insurers including new entrants, niche underwriters and foreign based insurers, but negative relationships exist between their efficiency and personnel expenses ratios. | |||||
| 書誌情報 |
京都マネジメント・レビュー 巻 16, p. 101-114, 発行日 2009-12 |
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| 出版者 | ||||||
| 出版者 | 京都産業大学マネジメント研究会 | |||||
| ISSN | ||||||
| 収録物識別子タイプ | PISSN | |||||
| 収録物識別子 | 1347-5304 | |||||
| 書誌レコードID | ||||||
| 収録物識別子タイプ | NCID | |||||
| 収録物識別子 | AA1167166X | |||||
| 著者版フラグ | ||||||
| 出版タイプ | VoR | |||||
| 出版タイプResource | http://purl.org/coar/version/c_970fb48d4fbd8a85 | |||||
