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    Title: 論保險業公司治理 —以獨立董事效能強化為中心
    Corporate Governance of Insurers: Focus on Enhancing the Effectiveness of Independent Directors
    Authors: 陳品璇
    Chen, Pin-Syuan
    Contributors: 林建智
    Lin, Jan-Juy
    陳品璇
    Chen, Pin-Syuan
    Keywords: 公司治理
    獨立董事適格性
    獨立董事效能
    企業文化
    保險監理
    corporate governance
    competence of independent directors
    effectiveness of independent directors
    corporate culture
    insurance regulation
    Date: 2020
    Issue Date: 2020-02-05 17:36:24 (UTC+8)
    Abstract: 我國保險業歷年來多次發生有心人士掏空保險公司、五鬼搬運之事件,涉及的標的金額龐大,公司遭掏空的贓款在事後亦難以完全追回。有心人士一己之私利,不但損害保戶的利益,也耗費主管機關龐大的成本進行墊付。要杜絕保險業掏空弊案,保險業勢必要建立一個良好的公司治理架構,其中,獨立董事是公司治理架構中的關鍵角色。
    惟本研究發現現有公司治理的研究大多針對一般公司或金融業中的銀行,鮮少有針對保險業公司治理法制層面的探討。本研究認為基於保險產業的特殊性,有必要就保險業的公司治理研究,本研究探討保險業公司治理的特殊性、公司治理的模式、保險業公司治理法源的普遍依據及效力、公司治理原則的差異化適用方法,以及評鑑方法等,並以國際上主要國家的保險業公司治理相關監理方法為例,建構出保險業的公司治理架構。
    再者,獨立董事是公司治理架構中的關鍵角色,如何提升獨立董事的效能,是保險業公司治理的重點。本研究以實際訪談我國保險業獨立董事,了解保險業實務運作的現況及缺失,並以國內外問題保險業、重大裁罰案件為例,歸納出案例中削弱獨立董事效能的因素,並從獨立董事的專業性、獨立性、企業文化三個方面闡述削弱獨立董事效能的因素。
    本研究認為,欲強化保險業獨立董事的效能,獨立董事自身、保險業、監理機關都是不可或缺的重要角色,因此本研究從獨立董事自身、保險業、監理機關三個角度分析如何強化保險業獨立董事的效能,並將效能強化的項目分為獨立董事的專業性、獨立性,以及公司的企業文化三項,期盼塑造一個對獨立董事友善的企業文化,以提升保險業獨立董事的效能,建構保險業良好的公司治理架構。
    There is no one but knows that the frequent occurrence of hollowed out cases of insurance industry in Taiwan. The amount involved is huge, and it is difficult to completely recover the stolen money that has been hollowed out. In order to eradicate the shortcomings of the insurance industry, the insurance industry must establish a good corporate governance structure. Among them, independent directors play a key role in the corporate governance structure.
    Based on the particularity of the insurance industry, this study considers it is necessary to study the corporate governance of the insurance industry. This study takes the supervision methods of insurance company governance in other countries as examples to construct the corporate governance structure of the insurance industry. Furthermore, it cannot be over emphasized the importance of the independent directors in the corporate governance structure. This study interviewed three independent directors of insurance industries in Taiwan. Taking the insurance sanction cases as examples, this study sorted the main fact in the cases, trying to categorize the factors that weaken the effectiveness of independent directors of insurance industries.
    This study held the view that the independent director itself, insurance company and the competent authorities play the indispensable roles in enhancing the effectiveness of independent directors. This study elaborate how to strengthen the effectiveness of independent directors by the above three different roles, hoping to built a friendly insurance corporate culture to the independent directors in order to enhancing the effectiveness of independent directors.
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    三、訪談資料
    1.陳品璇,2019/5/17。當面訪談,我國某保險公司獨立董事X,國立政治大學。
    2.陳品璇,2019/5/21。當面訪談,我國某保險公司獨立董事Y,國立政治大學。
    3.陳品璇,2019/5/22。當面訪談,我國某保險公司獨立董事Z,國立政治大學。
    Description: 碩士
    國立政治大學
    風險管理與保險學系
    105358013
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0105358013
    Data Type: thesis
    DOI: 10.6814/NCCU202000045
    Appears in Collections:[風險管理與保險學系 ] 學位論文

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