面對2009年1月1日起費率自由化正式邁入第三階段 ，再加上全球經濟此刻正面臨重大的金融海嘯（financial turmoil）考驗，費率自由化第三階段的實施必然加速產險業價格競爭更形激烈。 本研究以台灣地區十四家本國產險業者於2003年至2007年各項包含核保利潤（Underwriting Profit）與投資收益（Investment Income）等經營績效指標為研究範圍，探討產物保險業自2002年4月1日起實施費率自由化（Rate Deregulation）後各家產物保險公司經營優劣，並以集群分析（Cluster Analysis）為方法，將各家產險業者依各績效指標影響加以分群，並為該集群命名，分別得市場I型、投資獲利型、風險自留型、市場II型及落後型。各集群分別代表不同面向的經營策略，藉以幫助產物保險業者在購併標的選擇（M&A Selection）時之參考。 ;Rate Deregulation in Taiwan will be organized gradationally and after January 1st 2009, tariff protection will be deregulated completely. In recent financial turmoil, however, the economic recession will affect the performance in property-liability insurance industry in Taiwan. The study is to evaluate the performance of property-liability insurance industry in Taiwan during the period 2003 to 2007 after conducting rate deregulation in 2002. The performance model will include both underwriting profit and investment income. Secondly, a cluster analysis will be employed to classify each company in accordance with their performance, and named on the ground of their empirical result. To avoid price competition and seek for economic scale in operation, M&A would be one choice of their growth strategies. The empirical results in cluster analysis can influence the managerial consideration in M&A selection.
