政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/85690

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Title:	銀行保險業務對人壽保險業風險行為影響之研究
Other Titles:	The Impacts of Bancassurance on Risk Taking Behavior of Life Insurance Companies in Taiwan
Authors:	彭金隆
Contributors:	風險管理與保險學系
Keywords:	銀行保險;風險行為;人壽保險 Bancassurance;Risk Taking;Life Insurance
Date:	2013
Issue Date:	2016-04-20 15:19:14 (UTC+8)
Abstract:	近年來由於金融管制放寬，銀行保險( Bancassurance)已成為我國壽險市場最重要的行銷通路，壽險公司透過銀行收取大量負有保證報酬之保費收入，勢必將間接加重保險業經營的壓力與涉入風險的動機。但現有銀行保險文獻還沒有討論到銀行保險業務涉入程度及商品策略對保險公司經營或投資風險行為(Risk Taking)之影響，本研究剛好可以填補這個研究上的空隙。本研究計劃以2006年至2012 年我國壽險公司財務業務資料，採迴歸分析探討我國壽險公司銀行保險業務涉入程度以及銀行保險商品屬性，對壽險公司業務風險、投資風險及整體風險行為之影響。本研究結果預期將對銀行保險對於壽險公司經營之影響有進一步之了解，恰可補充學術研究上的不足，而且對於監理機關監理銀行保險市場，也具有實務參考價值。 Bancassurance is a channel for insurer to distribute insurance products by banks. It is also a global movement of financial institutes to provide various financial products and services to their customers. In recent decade, bancassurance became the most important distribution channels of life insurance in Taiwan. In bancassurance market, the most popular products are deposit-like life policies with a guaranty return. Life insurance companies collecting such huge premium with guaranty return to their customer, will it affect their risk taking behavior? To our knowledge, without previous researchers have explored that how bancassurance strategy affect insurer’s risk taking behavior. This study just tries to answer it.
Relation:	計畫編號 NSC 102-2410-H004-051
Data Type:	report
Appears in Collections:	[Department of Risk Management and Insurance] NSC Projects

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