| dc.contributor.advisor | 陳彩稚 | zh_TW |
| dc.contributor.author (作者) | 文宜 | zh_TW |
| dc.creator (作者) | 文宜 | zh_TW |
| dc.date (日期) | 2017 | en_US |
| dc.date.accessioned | 24-七月-2017 12:04:45 (UTC+8) | - |
| dc.date.available | 24-七月-2017 12:04:45 (UTC+8) | - |
| dc.date.issued (上傳時間) | 24-七月-2017 12:04:45 (UTC+8) | - |
| dc.identifier (其他 識別碼) | G0103358029 | en_US |
| dc.identifier.uri (URI) | http://nccur.lib.nccu.edu.tw/handle/140.119/111327 | - |
| dc.description (描述) | 碩士 | zh_TW |
| dc.description (描述) | 國立政治大學 | zh_TW |
| dc.description (描述) | 風險管理與保險學系 | zh_TW |
| dc.description (描述) | 103358029 | zh_TW |
| dc.description.abstract (摘要) | 市場自律是保險市場監管的重要部分之一，可有效提高監管效率，保障整個保險業持續健康發展。在大陸第二代償付能力監管體系下, 已正式將建設市場自律機制提上日程，以充分發揮市場自律之作用。所以目前大陸保險市場是否存在市場自律是個值得研究的議題。 本研究以2010年至2015年間大陸產壽險公司數據為樣本，通過分析償付能力充足率、保險投訴等变数與保費收入、退保率間的關係，來衡量大陸保險業是否存在市場自律。實證結果發現各变数對保費收入有一定影響，對退保率無明顯影響，且關於風險變動對保險需求變動影響之結果最不理想，即消費者對風險變動狀況的敏感性並不高，表明大陸存在一定程度的市場自律，但作用較弱。 | zh_TW |
| dc.description.abstract (摘要) | Market discipline is one of the important parts of insurance supervision, which can effectively improve the efficiency of supervision and guarantee the sustained and healthy development of the insurance industry. Under the China Risk Oriented Solvency System, the construction of market discipline has been formally put on the agenda to give full play to it. Therefore, the existence of market discipline in China’s insurance market is a topic worthy of study. In this study, to measure the existence of the market discipline, we use the data of the property and life insurance companies from 2010 to 2015 to analyze the relationship between the solvency margin ratio, insurance complaints, etc. and the premium income and termination rate. The empirical results show that those explanatory variables have a certain influence on the premium income, but do not have significant effect on the termination rate. Additionally, the result regarding the impact of a change in risk on the insurance demand is not as predicted, namely insurance consumers are not sensitive to the change of risk. The empirical findings indicate that the insurance market of China has a certain degree of market discipline, but the effect is not very significant. | en_US |
| dc.description.tableofcontents | 第一章 緒論 7第一節 研究動機 7第二節 研究目的 9第三節 研究流程與架構 10第二章 大陸保險市場概述 12第一節 大陸保險業經營概況 12第二節 償付能力監管 16第三章 文獻回顧 19第一節 市場自律之定義 19第二節 保險市場自律之實證 19第四章 研究方法 22第一節 資料來源 22第二節 假設 22第三節 變數之选取 24第四節 模型 29第五章 實證結果與分析 32第一節 敘述統計 32第二節 回歸實證結果 35第六章 結論與建議 50第一節 結論 50第二節 建議 51參考文獻 53附錄 55 | zh_TW |
| dc.format.extent | 774609 bytes | - |
| dc.format.mimetype | application/pdf | - |
| dc.source.uri (資料來源) | http://thesis.lib.nccu.edu.tw/record/#G0103358029 | en_US |
| dc.subject (關鍵詞) | 市場自律 | zh_TW |
| dc.subject (關鍵詞) | 保險監管 | zh_TW |
| dc.subject (關鍵詞) | 償付能力 | zh_TW |
| dc.subject (關鍵詞) | Market discipline | en_US |
| dc.subject (關鍵詞) | Insurance supervision | en_US |
| dc.subject (關鍵詞) | Solvency | en_US |
| dc.title (題名) | 大陸保險業市場自律之研究 | zh_TW |
| dc.title (題名) | The study of market discipline in the insurance industry of China | en_US |
| dc.type (資料類型) | thesis | en_US |
| dc.relation.reference (參考文獻) | 一、 英文部分1. Bliss.R.R and Flannery.J.M(2002), Market discipline in the governance of U.S. bank holding companies: Monitoring vs. Influencing.European Finance Review,6(3),361-395.2. Baranoff .G.E and Sager.W.T(2007), Market discipline in life insurance: Insureds’ reaction to rating downgrades in the context of enterprise risks. Social Science Electronic Publishing.3. Castagnolo.F and Ferro.G(2013), Could we rely on market discipline as a substitute for insurance regulation? Journal of Financial Regulation and Compliance, 21(1),4-15.4. Eling.M(2012), What do we know about market discipline in insurance?Risk Management and Insurance Review,15(2),185-223.5. Eling.M and Kiesenbauer.D(2012)Does surplus participation reflect market discipline? An analysis of the German life insurance market. Journal of Financial Services Research, 42 (3) ,159-1856. Eling.M and Schmit.T.J(2012), Is there market discipline in the European insurance industry? An analysis of the German insurance market.The Geneva Risk and Insurance Review.37 (2) ,180-207.7. Epermanis.K and Harrington.E.S(2006), Market discipline in property/casualty insurance: Evidence from premium growth surrounding changes in financial strength ratings. Journal of Money, Credit, and Banking, 38(6), 1515-1544 8. Grace.M, Kamiya.S,Klein.R and Zanjani.G(2014), Market discipline and guaranty funds in life insurance. 41st Seminar of the European Group of Risk and Insurance Economists.9. Hamalainen.P,Hall.M and Howcroft.B(2005),A framework for market discipline in bank regulatory design, Journal of Business Finance & Accounting, 32(1-2),183-209.10. Park.C.S and Tokutsune.Y(2013), Do Japanese policyholders care about insurers’ credit quality? The Geneva Papers on Risk and Insurance - Issues and Practice, 38(1), 1-21.11. Zanjani.G(2002), Market discipline and government guarantees in life insurance. Unpublished Working Paper ,83(1),67-100.二、 中文部分1. 丁洪生、宋建陽（2012），市場約束：保險監管的新趨勢——基於河北省保險市場實證研究。保險研究，第11期，88-99。2. 王祺（2004），論建立保險市場約束機制的必要性。保險研究，第3期，28-29。3. 朱晶晶、趙桂芹（2016），保險業市場約束：來自消費者需求的證據。經濟管理，第5期，122-131。4. 劉兵、葉亮（2006），中國保險業市場約束力實證研究。江西財經大學學報，第1期，32-36。 | zh_TW |
