| dc.contributor | 風管系 | |
| dc.creator (作者) | 陳彩稚 | |
| dc.date (日期) | 2016-08 | |
| dc.date.accessioned | 17-Jun-2026 15:55:19 (UTC+8) | - |
| dc.date.available | 17-Jun-2026 15:55:19 (UTC+8) | - |
| dc.date.issued (上傳時間) | 17-Jun-2026 15:55:19 (UTC+8) | - |
| dc.identifier.uri (URI) | https://ah.lib.nccu.edu.tw/item?item_id=182992 | - |
| dc.description.abstract (摘要) | 本研究探討銀行保險對於我國壽險業者經營績效之影響，包括承保服務品質、公司聲譽以及獲利能力。我國銀行保險興起時間甚短，僅有十年左右，但是已經超越傳統業務員銷售保單方式，成為我國壽險市場最主要之行銷管道，新契約保費市佔率超過50%。然而其對於保險業經營之影響，尤其是服務品質方面，卻尚未被深入探討。本研究以我國銀行保險實施以來之最長資料(2004-2013)，採用三階段最小平方法聯立迴歸模型（3-stage least ssquare (3SLS) simultaneous equations models），分析保險公司採用銀行保險對於經營績效之影響。不同先前研究著重於經營成本或費用等量化因素，本文著重於服務品質與公司聲譽等質化因素，以印證文獻上所推測之銀行保險之服務品質是否較差。其次，連結服務品質與公司聲譽（質化因素）與獲利能力(量化因素)，以探討銀行保險之長期潛在影響，畢竟保險公司最終仍是關心獲利能力。 | |
| dc.description.abstract (摘要) | This paper is to investigate the impact of bancassurance on the operational performance of life insurers, including underwriting service quality, and corporate reputation, and profitability. Bancassurance has outperformed the traditional marketing approaches and became the largest distribution channel for life insurance in Taiwan, but its effect on insurers’ operation is still unknown, especially the underwriting service quality. Based on the data of 2004-2013 and 3-stage least ssquare (3SLS) simultaneous equations models, this paper analyzes the relationship between insurers’ performance and the utilization of bancassurance. Different from previous studies which emphasize on the quantitative effects such as operational cost or expenses, this paper analyzes the qualitative effects such as service quality and corporate reputation in order to test the arguments in the literature saying that the service quality of bancassurance is worse than traditional marketing channels. Additionally, this paper investigate the relationship between service quality, corporate reputation, and insurer’s profitability to study the long-term potential impact of bancassurance since profitability is always an important issue for insurers. | |
| dc.format.extent | 116 bytes | - |
| dc.format.mimetype | text/html | - |
| dc.relation (關聯) | 科技部, MOST104-2410-H004-115, 104.08-105.07 | |
| dc.subject (關鍵詞) | 銀行保險; 承保服務品質; 公司聲譽; 申訴率; 保單持續率 | |
| dc.subject (關鍵詞) | bancassurance; underwriting service quality; corporate reputation; complaint ratio; policy persistency | |
| dc.title (題名) | 銀行保險對我國壽險公司經營績效之影響 | |
| dc.title (題名) | Bancassurance and Operational Performance of Life Insurers in Taiwan | |
| dc.type (資料類型) | report | |
